Business Owners Policy Insurance

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Bundled Coverage Made for Small Businesses

A Business Owner Policy (BOP) combines general liability and commercial property insurance into one affordable package-perfect for small to mid-sized businesses in Florida. If you own or lease a space, sell products, or interact with the public, a BOP offers a smart, streamlined way to protect what you've built.

What's Typically Covered in a BOP

BOPs are designed to cover the essentials:

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General Liability

Covers third-party injuries, property damage, and legal costs

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Commercial Property

Protects your building (if owned) and business contents

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Business Interruption

Helps replace lost income during a covered shutdown

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Equipment & Inventory

Covers damage to tools, stock, or furnishings

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Customer Incidents

Slip-and-fall claims or other public accidents

It's a simple, cost-effective option for Florida businesses that want broad protection in one policy.

Best Fit for Florida's Small Business Owners

A BOP is ideal for:

  • Retail stores & salons
  • Office-based professionals
  • Cafes, bakeries & food service businesses
  • Independent contractors
  • Small manufacturers & warehouses

If you lease or own a physical location and need general liability and property coverage, this could be the perfect fit.

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Why Choose Insured Choice for Your BOP

01

One Policy, Less Hassle

We combine two essential coverages so you don't miss anything or overpay.

02

 Made for Florida Risks

From coastal weather to everyday claims, we build BOPs that reflect your true exposures.

03

Competitive Carriers, Personalized Support

We quote multiple providers and walk you through the options clearly-no jargon.

FAQs About BOP Insurance in Florida

  • What's the advantage of a BOP over separate policies?

     It simplifies your coverage and is usually more affordable than buying general liability and property insurance separately.

  • Can I customize what's included in a BOP?

    Yes-add-ons like cyber, equipment, or employee coverage can be added depending on your business.

  • Does a BOP include workers' compensation?

    No-workers' comp is a separate policy. We can help you bundle it if needed.

  • Is a BOP only for businesses with a storefront?

    Not at all. It's great for office spaces, home-based businesses, and more-as long as you have business property and general liability needs.

  • Do I need a BOP if I already have general liability?

    If you also need to insure equipment, inventory, or a building, a BOP may be more efficient-and cost-effective.

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Let's Bundle Smart Coverage for Your Business

From boutique shops to busy cafés, a BOP gives you key protection without the headache. Let's see if it's right for your business.