Business
Business Owner's Policy (BOP): What It Costs and What to Check
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
A business owner's policy, or BOP, costs small businesses about $83 a month. It bundles general liability and commercial property coverage in one plan, usually for less than buying them separately. Many BOPs also include lost income coverage.
BOPs are made for small, lower-risk businesses, like shops, offices, and restaurants.
Thimble is a participating provider that offers a business owner's policySponsored online for small businesses.
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What is a business owner's policy?
A BOP is a package policy. Instead of buying separate liability and property policies, you get them together. That usually saves money and makes things simpler.
What a BOP usually includes
Liability. Covers you if a customer gets hurt, or you break something that isn't yours. It's the same coverage as general liability insurance.
Your stuff. Covers your building if you own it, plus your tools, equipment, stock, and furniture. It's the same coverage as commercial property insurance.
Lost income. Often included. It helps replace income if a fire or storm makes you close for a while. This is called business income or business interruption coverage.
What affects your BOP price
Price range
Small businesses pay about $83 a month on average, or about $990 a year. Yearly costs run from about $400 to more than $6,000.
Not a quote or an offer. Your price comes from the insurance company. Source: Insureon, 2026 (based on its small business customers).
What moves the number
- Your type of business.
- What your stuff is worth. Equipment, stock, and furniture.
- Where you're located. Storm and crime risk matter.
- Your size and claims history.
Who qualifies for a BOP?
BOPs usually fit businesses that are small, have a lower risk of big claims, and work from a set location. Shops, offices, small restaurants, and many service businesses often qualify. Higher-risk work, like some construction trades or businesses with large payrolls, may need separate policies instead. Ask the provider.
What a BOP doesn't cover
- Hurt workers. That's workers' comp.
- Mistakes in your work or advice. That's professional liability.
- Work vehicles. That's commercial auto.
- Stolen data. That's cyber insurance.
- Tools away from your shop, in many cases. That's inland marine.
- Floods and earthquakes.
Many providers let you add some of these to your BOP as add-ons.
BOP vs. general liability
If you only need liability, general liability alone may cost less. If you also own equipment, stock, or a building, a BOP often costs less than buying both. Read general liability vs. a business owner's policy.
What to ask before you choose
- "Does my business qualify?"
- "Is business income coverage included, and for how long?"
- "Is my stuff covered for replacement cost?"
- "What's left out that I still need?"
- "Can I add cyber or tools coverage to this policy?"
Keep reading
See every coverage side by side in small business insurance cost. New LLC? See LLC insurance.
Core business insurance: Small business insurance cost · General liability · Workers' comp · Professional liability · Commercial auto · Commercial property · Cyber insurance · LLC insurance · General liability vs. a BOP · Home-based business insurance · All business services
Insurance by trade: Contractor insurance · Builder's risk · Lawn care and landscaping · Cleaning business insurance · Handyman insurance · Food truck insurance · All business services
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