Business Owner’s Policy Insurance in Indiana

What a Business Owner's Policy Includes

• General Liability: Covers third-party bodily injury, property damage, and advertising injury claims, including legal defense costs.
• Commercial Property: Protects your building, equipment, furniture, and inventory from covered losses such as fire, wind, hail, and theft.
• Business Income: Replaces lost income and helps pay ongoing expenses like rent and payroll if a covered loss forces you to close temporarily.

Is Your Business Eligible for a BOP?

BOPs are designed for small to mid-sized businesses with lower-risk operations. Common candidates include retail shops, offices, restaurants, salons, small contractors, and property owners who lease space to tenants. Eligibility depends on factors such as annual revenue, number of employees, building size, and the type of work you perform. Our agents review your operations and tell you whether a BOP or a custom commercial package is the better fit.

Coverage You Can Add to a BOP

Many carriers allow endorsements for equipment breakdown, spoilage, data breach, employee dishonesty, and hired and non-owned auto liability. A BOP does not include workers' compensation, commercial auto, or professional liability, so we help you coordinate those policies through our full range of commercial insurance options. For higher liability limits, a commercial umbrella insurance policy can sit above your BOP.