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.
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. Licensed California insurance agency, License 6016951. Also licensed in Texas.
What a BOP typically combines
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.
What still sits outside the BOP
How to get a quote
Share operations, payroll, property values, and any contract insurance requirements. A licensed agent compares carrier options. Certificates of insurance are issued after a policy is bound. Call (916) 545-3202 or request a quote.
Kavana Insurance Inc. · 915 Highland Point Dr Suite 250, Roseville, CA 95678 · Licensed in California and Texas.