Business Owners Policy (BOP) for Louisiana Small Businesses

One Policy, Big Protection-The BOP Advantage

A Business Owners Policy (BOP) combines the two most essential coverages for small businesses-General Liability and Commercial Property-into a single, convenient package. With a BOP, you get broad protection for the biggest risks you face, often at a lower premium than buying each policy separately. One policy, one premium, less hassle.

Core Coverages in a Business Owners Policy

General Liability

Covers customer injuries, property damage you cause, and legal defense if you're sued (think: a slip-and-fall in your shop).

Commercial Property

Pays to repair or replace your building (if you own it), equipment, inventory, and contents after a fire, theft, or storm-even if you rent your space.

Business Interruption

If a disaster forces you to close, this helps cover lost income and operating expenses until you're back in business.

Example: If a fire damages your boutique and you must close for a month, business interruption coverage can pay for lost profits and ongoing bills.

Build a Package That Fits Your Needs

Every business is different, and your BOP can be tailored to fit. Add-ons include:

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Equipment Breakdown

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Outdoor Sign Coverage

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Employee Dishonesty

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Spoilage (for food businesses)

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And more

Some risks-like workers' compensation, commercial auto, or cyber liability-are separate policies, but we'll help you coordinate everything for seamless protection.

Save Money With a BOP Bundle

BOPs are package-priced for savings, often costing less than separate general liability and property policies. Many small offices or retail shops pay as little as $(225) 644-4440 per year for core coverage (your actual cost will depend on size, industry, and location).

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BOP Insurance Questions-Answered

  • What is a BOP in insurance?

    A Business Owners Policy is a bundle of general liability and property insurance-core coverages most small businesses need.

  • Do I qualify for a BOP?

    If you have a physical location, under 100 employees, and less than $5 million in annual revenue, you probably do. We'll confirm your eligibility.

  • What's the difference between a BOP and general liability alone?

    General liability covers lawsuits and accidents, but doesn't protect your building or contents. A BOP adds property and business interruption for more complete protection.

  • Can I customize my BOP?

    Yes! We can add endorsements or separate policies to cover your unique exposures.

  • How do I get a quote?

    Just call, email, or use our quote request form-we'll review your needs and match you with the right policy.

Get a BOP Quote-Protect Your Business the Smart Way

Still not sure if a BOP fits your business? Let's talk. We'll determine if you qualify, explain the options, and find the most cost-effective package for your needs.