Business owners policy coverage in Florida

Business Owners Policy (BOP)

The smart choice for small to mid-size businesses. A BOP combines general liability, commercial property, and business income coverage into one convenient, cost-effective package.

Get a Free BOP Quote 1-800-252-6885

Florida Business Owners Policy (BOP) at a Glance

Bundles general liability + commercial property into one policy at a 15–25% discount vs. buying separately
Typically includes business interruption coverage at no extra cost
Designed for small to mid-size businesses — generally under 100 employees and $5M in revenue
Does NOT include workers' compensation or commercial auto — those are always separate policies

What's Included in a BOP?

A BOP bundles essential coverages into one package — often at a lower price than buying them separately.

General Liability

Third-party bodily injury, property damage, and personal/advertising injury coverage — the foundation of business protection.

Commercial Property

Covers your building (if owned), business equipment, furniture, inventory, and signage against covered perils.

Business Income

Replaces lost income and covers ongoing expenses (rent, utilities, payroll) if your business can't operate after a covered loss.

Data Breach Coverage

Many modern BOPs include basic data breach and cyber incident response coverage — increasingly important for all businesses.

Employee Dishonesty

Protects against losses from employee theft, fraud, and embezzlement — a coverage often overlooked by small businesses.

Equipment Breakdown

Covers repair or replacement of essential business equipment after mechanical or electrical breakdown.

Is a BOP Right for Your Business?

BOPs are ideal for these types of businesses.

Retail shops and boutiques

Restaurants and cafes

Office-based professional services

Small service businesses

Consulting firms

Small landlords and property owners

Why Choose a BOP?

Lower combined premium than buying GL and property separately

Single policy = simpler management and fewer renewals

Broader coverage with built-in endorsements many standalone policies charge extra for

Business income coverage typically included

Easy to customize with additional endorsements

Perfect for small to mid-size businesses with straightforward needs

Frequently Asked Questions

A BOP bundles general liability and commercial property (plus often additional coverages) into one package at a lower combined premium. Buying separate policies gives you more customization but typically costs more. For most small to mid-size businesses, a BOP provides excellent value.

No. Workers' comp is always a separate policy in Florida. However, we can bundle your BOP with workers' comp from the same carrier for multi-policy discounts and simplified management.

BOPs are designed for small to mid-size businesses. Qualification depends on your industry, revenue, number of employees, and building size. Most businesses with less than 100 employees and under $5M in revenue qualify. Larger or higher-risk businesses may need standalone commercial policies.

Yes. Most BOPs can be enhanced with endorsements for cyber liability, hired/non-owned auto, professional liability, inland marine (tools/equipment), and more. We'll help you build a BOP package that covers all your needs.