Two of your biggest coverages, under one roof.

Property and liability for the business, in one policy.

Prefer to talk? (305) 220-7940

A BOP bundles the coverages most small businesses need. Whether it fits yours depends on what you do and what you own. Compare business coverage.

Dining room of a Miami restaurant

What a BOP bundles.

It packages two of the coverages most businesses need into a single policy, typically built for small and mid-size companies.

Commercial property

Covers your space, equipment, and inventory — the physical things you need to operate — against covered damage or loss.

General liability

Helps protect the business if someone is injured or their property is damaged in connection with what you do. More on general liability →

Business interruption

Commonly part of the conversation, helping replace lost income if a covered event forces you to pause operations.

Customers ordering at a cafe counter

Built for the businesses that fill Florida.

A BOP is often the simplest starting point for restaurants, shops, offices, and contractors. If you rent or own a space, keep equipment or inventory on hand, and deal with customers or the public, a BOP usually covers a lot of ground in one policy.

As your business grows, other coverages come into the picture. Once you have employees, workers' compensation is usually the next conversation. Tell us what you do and we'll build the right mix around it.

Get a free business quote

Carriers we quote.

This is the advantage of an independent agency: one quote request here puts multiple Florida carriers to work competing for you. No reason to spend your evening filling out forms site by site — comparing them is literally our job. The list changes as the Florida market changes; ask us for the current one.

How it works.

Tell us about your business

Two minutes online, or call the office, and tell us what you do and how you operate.

We shop the carriers

We quote your BOP across multiple Florida insurers and explain what's bundled in, and what isn't, in plain words.

You're covered

Pick your policy and we handle the paperwork, and we're still here at renewal, audit, and claim time.

Business owners policy questions.

What does a BOP include?

It bundles commercial property and general liability into one policy. Business interruption coverage is commonly part of the conversation too.

Is a BOP right for my business?

It's often the simplest starting point for small and mid-size businesses like restaurants, shops, offices, and contractors. We'll help you confirm it's the right fit for what you do.

What about workers' comp?

That's usually the next conversation once you have employees. A BOP doesn't include it, but we can quote both together. More on workers' comp →

The simplest place to start.

Two minutes online, or one call to the office. Property and liability in one policy, since 1994.

Get a free business quote