Get a Business Owners Policy (BOP) in Minutes

General liability + commercial property insurance in one easy package.

Cancel anytime.*

Coverage

Commercial Property

General Liability

Business Interruption

Best Small Business Insurance

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Thimble makes BOP insurance affordable.

4.8 / 5 Stars

  • Pay monthly or yearly 
  • Business interruption coverage included
  • Add hired and non-owned auto insurance (if eligible) 
  • Add equipment breakdown coverage (if eligible)
  • Unlimited ACORD 25 Certificates of Insurance

What is BOP insurance?

A Business Owners Policy (BOP) is all the coverage most small businesses need in one easy package with a few main areas:

Commercial Property Insurance:
Covers a business’s first-party property from situations like a fire, vandalism, or theft. Even assets like your accounts receivable can be protected by commercial property coverage.

General Liability Insurance:
Covers third-party property damage, bodily injury, and personal and advertising injury.

Business Interruption Coverage:
Covers loss of income due to direct physical loss or property damage at your premises, helping you recover payroll for up to two months and lost income and operating expenses for up to a year.

What’s covered by BOP insurance?

Commercial property insurance includes two main things:

Business Building Coverage*:
It’s insurance for your four walls and the roof over your head! This Covers damage or destruction to the physical location. It protects the building’s structure (the walls around your stuff) from a variety of accidents, such as a fire or a rock thrown through a window.

Business Personal Property:
Property you own and use for business that’s located in, on, or within 100 feet of the business premises listed on your policy. That “property” can be anything from large equipment and inventory down to the paper clips.

 

And general liability insurance covers a few more crucial risks:

Bodily Injury:
Slip and falls may happen at your workplace. Should a client injure themselves while visiting you, you could be liable for their medical expenses as well as pain and suffering.

Property Damage:
You may visit your client’s home to perform your services. Should you damage their property during the course of your work, you could be responsible for replacing or repairing the damaged property.

Personal + Advertising Injury:
A part of your job involves advertising your company to grow the business. Should one of your rivals claim that your advertisement damaged their reputation, you could be liable for defamation.

*Heads up: Every business is unique, so certain types of business premises aren’t eligible for Business Building coverage from Thimble. It’s always best to get a quote to see what your options are.

How do I get BOP insurance?

Get a Business Owners Policy just by answering a few simple questions online, like:

  • What do you do?
  • Where do you work?
  • How big is your team (crew)?
  • How long do you need coverage for?

Thimble makes BOP insurance affordable, with flexible options that allow you to:

  • Pay monthly or yearly
  • Get business interruption coverage (included)
  • Add hired and non-owned auto insurance (if eligible) 
  • Add equipment breakdown coverage (if eligible)
  • Get unlimited ACORD 25 Certificates of Insurance
  • Request policy changes or cancel online in minutes

The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the Terms and Conditions contained in the applicable policy. Read the full Privacy Policy here.