Business Owners Policy in New York State for Total Small Business Protection

Property & Liability Coverage Rolled Into One Smart Policy
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Why a BOP Matters for Small Businesses in New York

Running a small business means juggling a lot-protecting it shouldn't be one more thing on your plate. A Business Owners Policy (BOP) combines general liability and commercial property insurance into one cost-effective plan. It's ideal for retail shops, professional offices, and service-based businesses throughout the state.

Three Ways We Help
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Simplified Coverage That's Built for Local Businesses Like Yours

1. Slip, Trip & Fall Protection
With a BOP, you get coverage for your building, business property, and liability risks-all in one easy-to-manage policy.

2. Affordable & Customizable Options
We help you tailor your BOP with add-ons like cyber, equipment breakdown, and business income protection so you're covered where it counts most.

3. Eligibility Guidance From Real People
Not every business qualifies for a BOP. We walk you through the guidelines and find out if it's the best fit-or recommend another package that makes more sense.

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What's Typically Covered

  • Damage to buildings you own or lease
  • Business personal property (furniture, equipment, inventory)
  • General liability for injury or property damage
  • Business interruption (optional)
  • Equipment breakdown (optional)
  • Loss of income due to a covered event
  • Vandalism, fire, theft, or storm damage
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Common Add-Ons & Options

Data Breach or Cyber Coverage - Protects against data theft and digital liabilities

Employment Practices Liability (EPLI) - Covers claims like discrimination or wrongful termination

Professional Liability - Adds errors & omissions coverage for service businesses

Outdoor Sign Coverage - Protects signage not attached to your building

Hired & Non-Owned Auto - For rented vehicles or employee-owned cars used for work

Who Needs This Coverage?

BOPs are best for small- to mid-sized businesses that operate from a physical location-like retail stores, restaurants, salons, studios, and professional offices. If you need both property and liability protection, this policy may be the perfect fit.

Local Risks to Consider

  • Winter weather causing roof or sidewalk issues
  • Shoplifting or break-ins in low-traffic areas
  • Power outages affecting equipment or refrigeration
  • Customer slip-and-falls inside your building
  • Fire or water damage from older plumbing or HVAC systems
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FAQs

  • Is a BOP cheaper than buying separate policies?

    Usually, yes. BOPs bundle two key coverages at a lower price than buying them individually. Plus, it's easier to manage one policy than two.

  • Can I customize my BOP?

    Absolutely. We'll help you tailor your BOP with the right add-ons for your industry and risk level-whether you run a flower shop or a consulting firm.

  • What's not included in a BOP?

    It doesn't cover workers' comp, commercial auto, or professional liability by default. But we can help you add or pair policies for full protection.

  • Do I qualify for a BOP?

    Most small businesses with fewer than 100 employees and less than $5M in revenue do-but eligibility depends on your industry and operations. We'll help you find out.

  • Can I switch to a BOP mid-policy?

    Yes-if your current setup isn't working or you've outgrown your basic policy, we can review and transition you into a BOP with the right coverage and timing.

Let's Build the Right Plan for Your Business

From Main Street storefronts to home-based businesses, we're here to help you protect what you've built. Let's find out if a BOP is the right fit-start with a quote today.