Business Owners Policy for Complete Small Business Coverage

Property and Liability Insurance In One Convenient Package

A Business Owners Policy, or BOP, combines the two coverages most small businesses need: property insurance and general liability. It simplifies your protection, streamlines billing, and can reduce your total costs. We help Hawaii business owners choose bundled coverage that fits their risks, size, and industry needs in one convenient policy.

What’s Included in a Business Owners Policy

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General Liability Insurance

Covers injuries, property damage, and legal claims related to normal business operations.

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Commercial Property Insurance

Protects your physical business location, inventory, and equipment from covered losses like fire, theft, or vandalism.

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Business Interruption Coverage

Helps replace lost income and cover expenses if a covered event forces you to temporarily close or relocate.

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Custom Add-Ons Available

Expand your policy with coverage for data loss, employee crime, or equipment breakdowns depending on your business needs.

Common Questions About Business Owners Policies

  • What businesses are eligible for a BOP?

    Most small to mid-sized businesses that operate from a physical location and meet revenue limits are eligible. Common examples include retail shops, offices, salons, and small restaurants.

  • Why bundle coverage into a BOP instead of buying policies separately?

    Bundling into a BOP simplifies your coverage and often reduces your premium. It also helps avoid gaps between policies and makes managing your insurance easier.

  • Can I add more coverage to my BOP?

    Yes. While a standard BOP covers general liability and property, you can customize your policy with additional protections for things like cyber incidents, crime, or specialized equipment.

  • Is a BOP enough for every business?

    It depends on your size and industry. Some businesses may need additional standalone policies for vehicles, workers’ compensation, or professional liability. We’ll help you determine the right mix of coverage.

  • How much does a Business Owners Policy cost?

    Costs vary based on your business type, location, and coverage limits. We’ll compare quotes from multiple carriers to help you find reliable protection at a fair price.