​Business Owner's Policy (BOP) and Packages

 

Tailored Solutions for Your Small or Midsize Business

You've worked hard to build your business. And whether you are the only employee or you have a growing staff, you want to make sure your company is protected. Liberty Mutual Insurance offers the coverage you need so you can focus on what matters most to you:

  • Business Owner's Policy: A business owner’s policy, or BOP, combines business property and general liability insurance in one policy. A BOP is designed for smaller businesses.
  • Commercial Package: A package also offers property and general liability protection, along with broader coverage options and higher policy limits. A package provides a comprehensive solution for small and midsize businesses with more complex needs that may not be eligible for BOPs. 

The Protection You Need in One Convenient Policy

Having the right insurance coverage can help safeguard your business from common risks. Protection offered through our BOP and package solutions includes:

Property: Covers the property you own, lease or rent, from the sign on your storefront to your computer equipment and inventory. Whether a fire destroys your shop or your equipment breaks down due to a power surge, this insurance can help replace your property and cover payroll and lost income if your business is unable to operate.

General Liability: Covers costs related to litigation and court judgments if a customer or other third party files suit against you or your employees. If a client’s car is damaged in your parking lot or a visitor slips and falls in your stairway, this coverage can help protect your business’s finances and reputation. You can also add data theft and cyber coverage to help your business recover if systems and/or customer information are exposed. 

Additionally, you can enhance your protection with other coverage options such as:

Learn More

We offer BOPs and commercial packages for a variety of business types, from dry cleaners and florists to medical offices and beauty salons. Find an independent agent or a broker today to learn more about what solution is right for you.

 

This is a general description of coverages. Not all coverages are available in all states. Contact an independent agent or your broker for policy terms, conditions, and exclusions. 

 

 Find an Agent

​Quick Links

Industry Solutions
Find solutions for your specific industry.

Business Resources
Explore stories and find checklists, articles, and more to help protect your business.