Business Owners Policy

Simplified Coverage for Property and Liability

What a Business Owners Policy Includes

A Business Owners Policy, commonly referred to as a BOP, is designed to simplify insurance coverage for small and mid-sized businesses by bundling essential protections into a single policy. Instead of purchasing separate policies for liability and property coverage, a BOP combines key coverages into one streamlined solution. At DRD Insurance, we help business owners understand whether a Business Owners Policy is the right fit based on their operations, size, and risk exposure. A typical BOP includes general liability insurance and commercial property coverage, helping protect against claims involving bodily injury, property damage, and damage to business-owned buildings or equipment. Many policies can also be customized with additional coverages such as business interruption insurance, equipment breakdown, or cyber liability, depending on the nature of the business. The goal of a BOP is to provide broad protection while keeping costs manageable. As an independent insurance agency, DRD Insurance compares Business Owners Policy options from multiple carriers, explaining coverage limits, exclusions, and optional endorsements so business owners understand exactly what is included. Whether you operate a retail shop, office-based business, or service-oriented company, a BOP can provide a strong foundation of coverage designed to support day-to-day operations and long-term stability.

Essential Protection Bundled Into One Policy

General Liability Coverage

A Business Owners Policy includes general liability insurance, helping protect against claims involving bodily injury, property damage, or personal injury arising from normal business operations.

Commercial Property Protection

BOP coverage typically includes protection for buildings, equipment, inventory, and business property, helping businesses recover from covered losses such as fire, theft, or vandalism.

Business Interruption Coverage

Many BOPs can include business interruption coverage, helping replace lost income and cover ongoing expenses if operations are temporarily suspended due to a covered event.

Cost-Effective Coverage for Growing Businesses

At DRD Insurance, we view a Business Owners Policy as a practical foundation for small business protection. Our process begins with understanding how your business operates, what assets are most critical, and where potential liability exposure exists. Because we are an independent agency, we are not limited to one carrier’s BOP structure or pricing model. This allows us to compare policy options and tailor coverage to fit your specific needs. We help business owners understand what is included in a standard BOP and where additional endorsements may be necessary to address industry-specific risks. Our team stays informed about carrier underwriting guidelines, eligibility requirements, and coverage enhancements so recommendations remain accurate as your business evolves. If your business grows, relocates, or adds services, we proactively review coverage to ensure it continues to provide adequate protection. In the event of a claim, we assist with navigating the process and understanding how coverage applies. At DRD Insurance, Business Owners Policies are not treated as generic packages—they are structured solutions designed to support stability, efficiency, and long-term business success.