Coverage
Business Owner's Policy (BOP) for Texas Contractors
A Business Owner's Policy — or BOP — bundles general liability and commercial property coverage into a single policy, usually at a lower cost than buying them separately. If you have an office, shop, or warehouse, this is often the smartest way to get covered. One policy, one bill, better pricing. We set these up for contractors all the time.
What Business Owner's Policy Covers
General liability (third-party injury and property damage)
Commercial property (building, equipment, inventory at your location)
Business interruption (lost income if you can't operate after a covered loss)
Equipment breakdown coverage
Data breach / cyber liability (optional add-on)
Employee dishonesty (optional add-on)
Who Needs Business Owner's Policy?
Contractors with a physical office, shop, or warehouse
Small to mid-size businesses looking for bundled savings
Contractors who want simplified coverage — one policy instead of two
Businesses that need both GL and property coverage anyway
Need Business Owner's Policy Coverage?
We shop multiple carriers to find the best rate for your business.
Common Claims Examples
A fire damages your office and all the equipment stored inside
A burst pipe floods your warehouse and destroys stored materials
A client slips in your office lobby and sues for medical bills
A power surge destroys computers and business records
Frequently Asked Questions
Get a Business Owner's Policy Quote
Tell us about your business and we'll shop carriers for the best rate.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.