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Business Owners Policies (BOPs)

Providing Small Businesses in Missouri and Kansas with Commercial Insurance

Small business owners work hard to both grow their company and turn a profit. Your goal is to make your operation a success, even when challenges arise that could threaten your financial outlook. Quality business insurance will help you remain on a stable financial footing, and one of the best ways to get this coverage if you’re a small business owner is to invest in a business owners policy (BOP).

BOPs are convenient and adaptable insurance packages that are designed with the small business in mind. To ensure that you get the best coverage solutions for your operation, just contact Bargain Insurance Connection. We’ll be your trusted, expert agency partner that will help you get the coverage that both offers comprehensive benefits and will always be affordable.

More About BOPs

What is a Business Owners Policy (BOP)?

Every business needs commercial insurance, but because there are so many types of policies on the market, the average business owner might find it hard to coordinate their benefits. A business owners policy, commonly called a BOP, is a package of business insurance options that eliminates that challenge. The BOP will offer the policyholder the convenience of getting their most essential commercial benefits in one place.

Who Needs a Business Owners Policy?

Small business owners might find it challenging to try to juggle all these different layers of coverage in a cohesive and efficient manner. By having a BOP, you’ll get your most critical and beneficial coverage in one place. Plus, the coverage limits, deductibles and other terms of the plan will be specifically tailored to the needs of smaller operations, while remaining customizable to your individual needs.

What Does a Business Owners Policy Cover?

Standardized BOPs usually offer three separate benefits:

Property Insurance: If something damages physical property – such as your building or possessions – then this coverage can help you repair or replace them.
General Liability Insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business Interruption Insurance: This helps you pay the bills if you must temporarily close after a damaging accident.

However, you will often need to augment the BOP with other coverage like:

Workers’ compensation insurance
Commercial auto insurance
Professional liability/Errors & omissions insurance
Surety bonds
Inland marine insurance

Employment practices liability insurance (EPLI)
Products/completed operations liability insurance
Cyber liability insurance
Umbrella liability insurance

Many of these policies can be purchased as endorsements to your BOP itself. Others must be purchased separately. Our agents are the experts who will know how to seamlessly integrate your BOP into your overall commercial insurance portfolio so that you always receive the highest level of coverage.

How Much Does a Business Owners Policy Cost?

Because a BOP offers numerous benefits in one place, it is often more affordable overall as opposed to buying separate benefits. We’re committed to working with you to ensure that the terms, limits and premiums within your chosen coverage always offer you the best cost value overall.
You can rely on us to comprehensively compare the policies from our network of carrier partners to help you choose the benefits that will truly be to your greatest financial advantage.

Call today for a free quote at 816.453.7722 or request an online quote.

Need other commercial products?

We also offer Commercial Auto Insurance and General Liability Coverage.