Business Owner’s Policy (BOP)
Complete Protection for Growing Businesses
A Business Owner’s Policy (BOP) is the smartest way for small to midsize businesses to protect their assets and operations. This bundled solution combines general liability insurance with commercial property coverage, offering comprehensive protection at a more affordable rate than purchasing separate policies. Whether you run a retail store, restaurant, consulting firm, or small manufacturing operation, a BOP provides the essential safeguards your business needs to thrive.
What a BOP Covers
Our Business Owner’s Policies provide three core protections in one convenient package. The general liability component shields your business from third-party claims of bodily injury, property damage, and personal or advertising injury. Meanwhile, commercial property insurance covers your physical assets—including buildings, equipment, inventory, and furniture—against fire, theft, vandalism, and certain natural disasters. Many of our BOPs also include business interruption coverage, which helps replace lost income and cover ongoing expenses if you must temporarily close due to a covered event.
Ideal Businesses for a BOP
This streamlined coverage solution works particularly well for:
- Retail stores and boutiques
- Restaurants, cafes, and bakeries
- Small office-based businesses
- Service providers with physical locations
- Home-based businesses with valuable equipment
- Small manufacturing or artisanal operations
- Contractors and subcontractors
Businesses with fewer than 100 employees, less than $5 million in revenue, and relatively low-risk operations typically benefit most from a BOP package.
Why Choose RiskShield for Your BOP
As an independent agency, we compare offerings from multiple A-rated carriers to find the optimal balance of coverage and affordability for you. Our BOP solutions can be customized with valuable add-ons such as:
- Equipment breakdown coverage
- Data breach protection
- Food spoilage insurance for restaurants
- Outdoor property protection
- Employee dishonesty coverage
We understand that every business has unique risks. That’s why our insurance experts take the time to analyze your specific operations before recommending coverage limits and endorsements.
Stop Gambling With Your Business’s Future
Every day without proper coverage puts your life’s work at risk. A single lawsuit could drain your savings. A fire could destroy your inventory. Unexpected disasters don’t wait until you’re ready.
We make business protection simple. Our Business Owner’s Policy bundles essential coverages at rates up to 30% lower than purchasing separate policies. Get liability protection, property coverage, and business interruption insurance—all in one affordable package designed specifically for businesses like yours.
Take Action Now Before It’s Too Late
Our insurance experts are standing by to secure your business with the right protection today. Call 913-290-5757 or email info@riskshieldinsurancegroup.com to get your instant quote. Sleep easier tonight knowing your business is shielded from whatever tomorrow brings.
