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Business Owner's Policy (BOP) in Florida
General liability and property coverage bundled into one policy, usually for less than buying them separately.
Free and no obligation. About 2 minutes. Your information is never sold.
Who It's Built For
- Retail shops and boutiques
- Offices and professional firms
- Salons, barbershops, and studios
- Small restaurants and cafes
- Owners of business equipment and inventory
- Growing small businesses that want one simple policy
What It Covers
A BOP combines the coverages most small businesses need into a single policy.
- General Liability
- Injuries to others and damage to their property caused by your business.
- Commercial Property
- Your building if you own it, plus equipment, furniture, and inventory.
- Business Income
- Replaces lost income if a covered loss forces you to close temporarily.
- Extra Expense
- Helps pay costs to keep operating after a covered loss, like a temporary location.
- Optional Add-Ons
- Coverage like equipment breakdown or data breach can often be added.
Have a storefront, office, or equipment to protect?We'll compare carriers and walk you through your options in plain language.
Get My Free BOP QuoteWhat It Doesn't Cover
Straight answers up front, so there are no surprises at claim time.
- Employee injuries. Workers' compensation is a separate policy
- Business vehicles. Commercial auto is a separate policy
- Professional mistakes. E&O is a separate policy
- Flood. Flood requires its own policy
- Larger or higher-risk operations. Some businesses don't qualify for a BOP and need a custom package instead
What Florida Business Owners Should Know
- Check how wind is handledIn some coastal areas, carriers may exclude wind or apply a separate named storm deductible. We'll show you exactly how your policy treats hurricanes.
- Flood is separateLike homeowners policies, BOPs generally don't cover flood. Ask about a separate flood policy for your location.
- Business income matters after stormsIf a covered storm loss closes your doors, business income coverage can help keep your finances steady while you recover.
Why Bundling Makes Sense
Buying liability and property separately can leave gaps and cost more. A BOP keeps your core protection in one policy with one renewal date, so nothing slips through the cracks.
What Affects Your Price
Every quote is different. These are the biggest factors carriers look at.
- Your industry and operations
- Location and building construction
- Value of equipment and inventory
- Annual revenue
- Claims history and deductibles
Because we're independent, you see real options from multiple carriers instead of a single take-it-or-leave-it price.
Common Questions
Is my business eligible for a BOP?
BOPs are designed for small to midsize businesses with lower-risk operations. If you don't qualify, we'll build a package that fits.
What's the difference between a BOP and general liability?
General liability covers claims from others. A BOP adds protection for your own property and lost income on top of that.
Does a BOP cover hurricane damage?
It depends on the policy and location. Some Florida policies exclude wind or carry a separate named storm deductible, so we'll review that with you.
Does a BOP cover my employees if they're hurt?
No. Employee injuries are covered by workers' compensation.
Bundle Your Coverage and Save
No pressure and no obligation. If the coverage you already have is the better deal, we'll tell you.
Prefer to talk? Call or text (813) 603-8714