Core Liability · Calculator, Comparison & Guide

Business Owners Policy (BOP) Insurance: Calculator, Comparison Table & Guide

Property + liability in one package for eligible small businesses.

Prong 1 · Interactive Calculator

BOP Quick Quote Estimator

Property + liability in one package for eligible small businesses.

Add-ons
Results
LineEstimate
Property portion —
Liability portion ($1M/$2M) —
Add-on endorsements —
Estimated annual BOP —
Per month —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

BOP vs. Package vs. Monoline

When the bundle wins and when it doesn't.

CriterionBusiness Owners PolicyCommercial Package (CPP)Monoline GL + Property
EligibilityLow-hazard, < $6M revenue, < 35K sq ftAnyAny
Business incomeIncluded, 12 mo ALSOptionalOptional
Equipment breakdownOptionalOptionalSeparate
Professional liabilityLimited endorsementsOptionalSeparate
CustomizationLowHighHigh
CostLowestModerateHighest
Best fitOffices, retail, small serviceManufacturers, contractors > $5MHard-to-place
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

The BOP: What's Inside the Small-Business Bundle

Property, liability, and business income in one policy. Who qualifies, what it includes, and what to add.

What's inside

Building and BPP on a special form, GL at $1M/$2M, business income (actual loss sustained, 12 months), and a handful of extensions.

  • Money & securities, accounts receivable, valuable papers
  • Outdoor signs (sublimited)
  • Equipment breakdown as endorsement

Who qualifies

Carriers set eligibility by class, revenue, square footage, and building height.

  • Restaurants only with limited cooking
  • Contractors: artisan trades only
  • Not eligible: auto service, bars, manufacturing with products exposure, high-rise

What to add

The base BOP leaves gaps.

  • Cyber (real limits, not $10K)
  • EPLI once you have 5+ employees
  • Hired/non-owned auto
  • Professional liability for services businesses
  • Umbrella at $1M–$2M

Frequently Asked Questions

Is a BOP cheaper than separate policies?

Usually 10%–25% cheaper for eligible businesses, and business income is included.

Can I add my vehicle to a BOP?

No; commercial auto is always separate. Only hired/non-owned can be endorsed.

Does a BOP cover my work from home?

If the business is eligible, yes — and it covers the business property that homeowners excludes.

Related: BOP insurance · business owners policy Texas · small business package

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your business owners policy (bop) exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.