Business Owners Policy (BOP)

All-in-one coverage for small business peace of mind.

A Business Owners Policy (BOP) bundles essential commercial coverages—like property and general liability—into one convenient, cost-effective package. At Pennsylvania Insurance Specialists, we help small and midsize businesses across PA and Ohio simplify their insurance while staying fully protected.

What’s Included in a BOP?

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Most BOPs combine two key coverages: commercial property insurance (for your building, equipment, and inventory) and general liability insurance (for injuries, accidents, or damages that occur during business operations). Depending on your needs, you can also add coverage like business interruption, cyber liability, or employee dishonesty.

Smart Coverage, Streamlined for Small Businesses

A BOP is ideal for retail shops, offices, service providers, and other growing businesses. It helps you stay protected without the complexity of managing multiple separate policies—and often comes at a lower rate than buying each policy individually.

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Get a Free BOP Quote

We make it easy to protect your business without overcomplicating things. Let’s talk about whether a Business Owners Policy is the right fit for you.


Call (724) 238-2378 or request your quote today.

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Business Owners Policy FAQs

  • Who qualifies for a BOP?

    BOPs are typically available to small and midsize businesses with low to moderate risk. We’ll help you determine if your business qualifies.

  • What are the main benefits of a BOP?

    It offers broad protection, simplifies your insurance management, and often saves money compared to separate policies.

  • Can I customize my BOP?

    Yes. While BOPs start with core coverage, you can add endorsements to match your specific risks.

  • Is a BOP enough for my business?

    It depends on your industry and needs. We’ll evaluate whether you need additional policies like workers’ comp, professional liability, or commercial auto.