Business Owner’s Policy (BOP) quotes for your business

How much does a Business Owner’s Policy cost in 2026?

A BOP’s price depends on your industry, the value of your property and inventory, your location and square footage, your revenue, your claims history, and the limits you choose. Most small businesses pay $40–$120 a month; businesses with more property, inventory, or foot traffic pay more. The figures below are illustrative averages, not quotes.

💡 Tip: A BOP almost always costs less than buying general liability and commercial property separately — and you gain business income coverage in the bargain. Comparing carriers on the same limits is the simplest way to cut your premium further.

A plain-English guide to the Business Owner’s Policy

What is a Business Owner’s Policy?

A Business Owner’s Policy, or BOP, is a pre-packaged bundle that combines the coverages most small businesses need into one policy at one price. At its core it brings together general liability, commercial property, and business income coverage. Because carriers package these together for lower-risk businesses, a BOP usually costs less than buying the same coverages à la carte — which is why it’s the most common starting point for small businesses with a physical presence.

What’s included

• ✓General liability — third-party injury, property damage, and advertising claims.
• ✓Commercial property — your building, equipment, inventory, and furnishings.
• ✓Business income — lost revenue and ongoing expenses if a covered loss shuts you down.

The business income piece

Business income coverage — sometimes called business interruption — is the part that makes a BOP more than the sum of its pieces. If a fire, storm, or other covered event forces you to close for repairs, it replaces the income you would have earned and helps pay rent, payroll, and other bills while you’re shut down. A standalone general liability policy doesn’t include this, which is a big reason businesses with a location choose a BOP.

What’s not included

A BOP is a strong foundation, not a complete program. It does not include workers’ compensation (required in most states once you hire) or commercial auto (required for business vehicles) — those are always separate policies. Coverages like professional liability and cyber aren’t standard either, though many carriers let you add them as endorsements. Standard property coverage also excludes floods and earthquakes, which need their own policies.

BOP vs. buying coverage separately

You can buy general liability and commercial property as standalone policies, but a BOP usually bundles them for less — and adds business income coverage most people would otherwise skip. The bundle also means one policy, one renewal, and one number to call. For most small businesses with property, the BOP wins on both price and simplicity.

BOP vs. a Commercial Package Policy (CPP)

BOPs are built for small, lower-risk businesses, and carriers set eligibility limits based on size, revenue, industry, and risk. If your business is larger or more complex — bigger property values, higher hazards, or coverages a BOP can’t accommodate — a Commercial Package Policy (CPP) offers the same idea with more flexibility. If you’ve outgrown a BOP, we can point you toward a CPP instead.

How is the price determined?

Carriers weigh your industry and class, the value of your building and contents, your location and square footage, your revenue, your claims history, and the limits and deductibles you choose. Two insurers can price the same shop very differently, so comparing is the simplest way to avoid overpaying for identical coverage.

How Dean Insurance helps

We’re an independent marketplace, so we shop multiple carriers instead of selling one company’s products. You answer a few questions once; we match you with the carriers and licensed agents best suited to your industry, and help you decide which add-ons make sense. The agents and carriers you connect with are licensed and authorized to sell in your state — they handle the advice, the policy, and your certificate of insurance. Using Dean Insurance is free; we’re paid by our partners only when you choose a policy, and your information is never sold to unrelated third parties. See our Privacy Policy for details.