Running a small business comes with big responsibilities—and risks. A Business Owners Policy (BOP) combines the most important types of coverage into one affordable package designed just for small to mid-sized businesses.

At Lumpkin’s Insurance Agency, we simplify your coverage so you can focus on growing your business—not worrying about unexpected setbacks.

What Is a BOP?

A Business Owners Policy bundles General Liability and Commercial Property Insurance into one easy-to-manage policy. It’s a popular option for small business owners who want solid protection without paying for unnecessary extras.

What Does a BOP Cover?

A standard BOP typically includes:

🛡️ General Liability Insurance
Protects you from lawsuits or claims related to bodily injury, property damage, or advertising injury (like libel or slander).

🏢 Commercial Property Insurance
Covers your business property—including buildings, inventory, equipment, and furniture—from fire, theft, vandalism, and certain weather events.

📉 Business Interruption Insurance (optional)
Helps replace lost income and cover expenses if you’re forced to temporarily close due to a covered event, like a fire or storm.

Why You Need It

A BOP is ideal for small businesses because it:

✔️ Saves money by bundling essential coverages
✔️ Simplifies your insurance plan with one premium and renewal date
✔️ Offers optional add-ons so you can customize as needed
✔️ Meets basic requirements for leasing space or signing contracts

Who Is It For?

A BOP is perfect for businesses like:

Retail shops and boutiques

Offices (real estate, law, insurance, accounting)

Restaurants and cafes

Salons, spas, and wellness centers

Small contractors and service providers

Home-based businesses

If you own or lease a space, handle customer property, or have physical inventory or equipment—you likely qualify.

Customize Your BOP with Add-Ons Like:

🔹 Data breach/cyber liability
🔹 Equipment breakdown
🔹 Hired & non-owned auto liability
🔹 Employee dishonesty
🔹 Valuable papers and records
🔹 Professional liability (for certain industries)

Get the Right Protection at the Right Price

Let Lumpkin’s Insurance Agency help you build a BOP tailored to your business. We’ll shop multiple carriers to get the coverage you need—without overpaying for what you don’t.

👉 Call today or request a free quote online to bundle and save with a Business Owners Policy.