Business Owner's Policy (BOP) for Texas Contractors
A Business Owner's Policy — or BOP — bundles general liability and commercial property coverage into a single policy, usually at a lower cost than buying them separately. If you have an office, shop, or warehouse, this is often the smartest way to get covered. One policy, one bill, better pricing. We set these up for contractors all the time.
What It Covers
- ✓General liability (third-party injury and property damage)
- ✓Commercial property (building, equipment, inventory at your location)
- ✓Business interruption (lost income if you can't operate after a covered loss)
- ✓Equipment breakdown coverage
- ✓Data breach / cyber liability (optional add-on)
- ✓Employee dishonesty (optional add-on)
Who Needs This Coverage
- →Contractors with a physical office, shop, or warehouse
- →Small to mid-size businesses looking for bundled savings
- →Contractors who want simplified coverage — one policy instead of two
- →Businesses that need both GL and property coverage anyway
Common Claims We See
Frequently Asked Questions
How is a BOP different from just buying GL?
A BOP includes general liability plus commercial property and business interruption coverage. It's a package deal that typically costs less than buying each policy separately. If you have a physical location, it's almost always the better move.
Can I add workers' comp to a BOP?
Workers' comp is a separate policy, but we can bundle it with your BOP through the same carrier for easier management and potential discounts.
Is a BOP right for every contractor?
BOPs work best for small to mid-size businesses. Very large operations or high-risk contractors may need standalone policies with higher limits. We'll help you figure out which approach makes sense.