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A Business Owner’s Policy, commonly called a BOP, combines several core insurance coverages into one streamlined policy. It is designed for small and mid-sized businesses that want broad protection, simple administration, and cost efficiency.
Cogo Insurance structures Business Owner’s Policies for a wide range of businesses, including trucking companies, cafes and restaurants, retail shops, offices, service businesses, and professional operations. A properly written BOP protects property, income, and liability under one coordinated policy.
A BOP bundles essential coverages that most businesses need to operate safely.
Protects physical business assets such as:
Coverage applies to losses caused by fire, theft, vandalism, certain weather events, and other covered causes.
Protects against third-party claims involving:
This coverage is critical for businesses that interact with customers, vendors, or the public.
Helps replace lost income if operations are interrupted by a covered loss.
This coverage can help pay for:
Business interruption losses often exceed property damage itself.
Business Owner’s Policies are designed for low to moderate risk operations.
Common examples include:
Eligibility depends on revenue, square footage, and operational risk.
A BOP can be customized with endorsements to address specific risks.
Common additions include:
Cogo Insurance tailors each BOP to the business, not the other way around.
While broad, a BOP does not cover everything.
It typically does not include:
Those coverages are added separately when needed.
BOP pricing is influenced by:
Accurate classification and values are key to fair pricing.
We work with a broad range of industries and carriers.
A BOP should be simple, but never generic.
A BOP combines property, liability, and business income coverage into one coordinated policy, often at a lower cost.
No. It is often required by landlords, lenders, or contracts.
Yes. Office locations, terminals, and dispatch operations are often insured under a BOP.
No. Employee injuries are covered under workers compensation.
Yes. Many BOPs allow cyber liability endorsements.
Yes. We review existing policies for gaps, pricing, and coverage alignment.
