Business Owners Policy (BOP) in Maryland

Smart, Streamlined Coverage for Small Businesses

A Business Owners Policy (BOP) is a bundled insurance package designed for small to mid-sized businesses. It combines essential coverages — like general liability and commercial property insurance — into one convenient policy, often at a lower cost than purchasing each coverage separately. For many Maryland businesses, a BOP is a simple, cost-effective way to get broad protection without unnecessary complexity.

What Does a Business Owners Policy Cover?

General Liability Insurance

Protects your business from claims involving bodily injury, property damage, and personal injury arising from everyday operations.

Commercial Property Insurance

Covers your building (if owned), equipment, inventory, furniture, and other business property against covered losses such as fire, theft, or vandalism.

Business Interruption Coverage

Helps replace lost income and pay ongoing expenses if a covered property loss forces your business to temporarily close. This coverage can be critical for maintaining cash flow during recovery.

Is a Business Owners Policy Right for Your Business?

BOPs are typically designed for small and mid-sized businesses with low to moderate risk profiles. They’re commonly a great fit for:


  • Retail stores
  • Professional offices
  • Small restaurants or cafés
  • Service-based businesses
  • Local contractors with a fixed location

Eligibility depends on factors like business size, revenue, industry, and property characteristics. Our team helps determine whether your business qualifies and whether a BOP makes sense for your needs.

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Why Many Small Businesses Choose a BOP

A Business Owners Policy offers both convenience and value.

Key advantages include:



  • One bundled policy instead of multiple separate ones
  • Often lower premiums due to package pricing
  • Simplified policy management and renewals
  • Ability to customize with additional coverages

Many BOPs can be enhanced with endorsements such as cyber liability, equipment breakdown, or higher liability limits — and can also be paired with a commercial umbrella policy for added protection.

Common Questions About Business Owners Policies

  • What is a Business Owners Policy (BOP)?

    A BOP is a bundled insurance policy that typically combines general liability, commercial property, and business interruption coverage into one package.

  • What does a BOP cover for a small business?

    It covers liability claims, property damage, and income loss due to covered disruptions, with options to add additional protections.

  • Is a BOP cheaper than buying coverage separately?

    Often yes — bundling coverages usually results in lower premiums compared to purchasing individual policies.

  • Can a BOP be customized?

    Yes. Many policies allow add-ons and endorsements to tailor coverage to your business’s specific risks.

  • How is a BOP different from general liability alone?

    General liability covers claims against your business, while a BOP adds property and business interruption coverage for broader protection.