Business Owners Policy (BOP) Insurance

Bundled Coverage. Big Protection. One Smart Policy.

Running a small business means juggling a lot—employees, customers, property, and profits. One unexpected event can throw it all off track. That’s why many business owners turn to a Business Owners Policy (BOP) for reliable and affordable protection.

At TWFG Insurance Services, we make it simple for small and midsize businesses across the U.S. to get the right BOP coverage—bundling essential protection in one convenient and cost-effective package.

What Is a Business Owners Policy (BOP)?

A BOP combines several types of insurance into one policy, making it easier and more affordable to protect your business. It’s designed specifically for small to mid-sized businesses in a wide range of industries.

A standard BOP typically includes:

🏢 Commercial Property Insurance

Protects your building, equipment, inventory, and physical assets against fire, theft, vandalism, and other covered perils.

🛡️ General Liability Insurance

Covers claims related to bodily injury, property damage, and personal injury if someone gets hurt on your premises or because of your products or services.

💼 Business Interruption Insurance

Also known as Business Income coverage, this helps replace lost income and covers operating expenses if your business is temporarily shut down due to a covered event (like a fire or storm).

Who Needs a BOP?

A Business Owners Policy is ideal for:

✅ Retail stores
✅ Offices and professional services
✅ Restaurants and cafes
✅ Salons and spas
✅ Contractors and tradespeople
✅ Medical and dental practices
✅ Wholesalers and distributors
✅ Tech startups and consultants

If you own or lease space, handle customer data, interact with the public, or rely on equipment to stay operational—a BOP can be a smart foundation for your risk management plan.

Customizing Your BOP Coverage

We understand that no two businesses are alike. That’s why we can help you customize your BOP with additional coverages, such as:

Cyber Liability Insurance
Hired and Non-Owned Auto Liability
Professional Liability (Errors & Omissions)
Employment Practices Liability Insurance (EPLI)
Equipment Breakdown
Employee Dishonesty Coverage

Why Choose TWFG Insurance Services?

At TWFG, we don’t just sell insurance—we build protection around your business goals. Our nationwide team works with top-rated carriers to offer:

✅ Competitive pricing across multiple providers
✅ Fast, knowledgeable service
✅ Tailored policies for your industry
✅ Veteran-owned integrity and commitment
✅ Licensed in all 50 states

Get a BOP Quote Today

A Business Owners Policy is one of the smartest ways to protect your business from common risks—without overcomplicating your coverage. Let us help you simplify and save.

📞 Call 706-416-4160
📍 Serving small businesses nationwide

How to Get a BOP

Contact TWFG Insurance today to learn about qualifying for a BOP and tailoring your coverage to meet the insurance needs of your business.