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A Business Owner’s Policy (BOP) bundles Commercial Property, General Liability, and built-in Business Income coverage for small to mid-sized Massachusetts businesses such as restaurants, retail shops and offices. Business Income coverage compensates lost revenue and fixed expenses when a covered loss like fire or water damage forces your business to temporarily close while repairs are underway. For restaurants and businesses with liquor licenses, standard BOP does not automatically cover alcohol-related claims. Liquor Liability can be added as an endorsement to protect against lawsuits and injuries from served alcohol.
Key Coverage Highlights
- Bundled property and general liability coverage
​- Built-in Business Income / Business Interruption protection
​- Liquor Liability available as optional endorsement
​- One simple policy for small local businesses
Retail Stores
- Boutiques & specialty shops
- Inventory & fixture protection
- Customer slip-and-fall coverage
Our Partners
A Business Owner’s Policy (BOP) provides essential protection tailored for a wide range of local small businesses.
- Medical & legal practices
- Office equipment coverage
- Data breach liability shields
Professional Offices
Service Businesses
- Salons & fitness studios
- Specialized tool protection
- Completed operations coverage