Business Owners Policy (BOP)
Running a business means juggling a lot of moving parts. A Business Owners Policy (BOP) helps simplify protection by bundling essential coverages into one smart, cost-effective policy. At Insurance Unlimited, we tailor BOP insurance to fit how your business actually operates, not a one-size-fits-all approach.
Protect What You’ve Built
A Business Owners Policy combines key commercial coverages into a single, streamlined policy designed for small to mid-sized businesses. Instead of managing multiple policies, a BOP gives business owners a practical way to protect their property, income, and liability exposure under one umbrella.
Commercial Property Coverage
Helps protect your building, equipment, inventory, furniture, and signage from covered losses such as fire, theft, or vandalism.
General Liability Insurance
Provides coverage if your business is held responsible for bodily injury, property damage, or advertising injury.
Business Interruption Coverage
Helps replace lost income and cover ongoing expenses if a covered event forces your business to temporarily close.
Equipment & Contents Protection
Covers the tools, technology, and assets your business relies on every day to operate.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Small Business Owners
Retailers, offices, restaurants, and service providers benefit from bundled protection that’s cost-effective and easier to manage than multiple standalone policies.
Growing & Established Businesses
As operations expand, a BOP provides scalable coverage that can be enhanced with add-ons to match new risks, locations, or services.
Designed for Small & Growing Businesses
No two businesses operate exactly the same, but many face similar risks. A Business Owners Policy is ideal for businesses looking for streamlined protection that covers property, liability, and income loss in one practical policy.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
What types of businesses qualify for a BOP?
Most small to mid-sized businesses qualify, including retail stores, professional offices, contractors, and service-based businesses. Eligibility depends on size, revenue, and risk profile.
Is a Business Owners Policy required by law?
A BOP itself isn’t legally required, but certain coverages within it, like liability or property insurance, may be required by landlords, lenders, or contracts.
Can a BOP be customized?
Yes. A BOP can often be enhanced with optional coverages such as cyber liability, employment practices liability, or additional equipment protection to better fit your operation.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
Get a Quote.webp)