Business Owners Policy (BOP)
A Business Owners Policy packages general liability and commercial property for eligible small and mid-size operations. It is not a substitute for workers’ compensation, commercial auto, or professional liability — those stay separate when they apply.
Request a quote
A licensed agent reviews your request. Certificates are issued after a policy is bound.
What a BOP typically combines
Kavana Insurance Inc. helps California and Texas businesses review whether a BOP or separate policies better match the work, the location, and the contracts in front of you.
General liability
Third-party bodily injury, property damage, and related legal defense for covered claims — the coverage landlords and GCs usually ask to see on a certificate.
Commercial property
Building, tenant improvements, equipment, and inventory after covered losses such as fire, theft, or vandalism. Business income is often available as part of the package or an option.
Who it may fit
Retail storefronts and light wholesale. Professional offices and consultancies. Eligible restaurants and food businesses (operations and alcohol service still drive underwriting). Healthcare offices that are not hospitals. Light-trade and service businesses that are not heavy construction.
Contractors on active jobsites often need a contractors program — general liability, workers’ compensation, commercial auto, inland marine — rather than a standard office BOP. If the work is construction, start at contractors insurance.
A BOP is a package, not a wrap-around for every risk. Workers’ compensation, commercial auto, liquor liability, professional liability, and builders risk are usually written on their own forms.
GENERAL GUIDANCE ONLY. THE POLICY FORM, ENDORSEMENTS, AND CARRIER DECIDE WHAT IS COVERED ON YOUR ACCOUNT.
Other lines this job usually needs
Three steps, no instant-bind theater
Tell us the job
Operations, payroll, vehicles, contracts, or project value — whatever applies.
Review the structure
Limits, deductibles, exclusions, and what sits outside the policy.
Bind and issue
Choose coverage. Get policy documents and COIs once the carrier binds.