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Business Owner's Policy
Business Owner's Policy

Protect Your Business’s Future with a Business Owner’s Policy

Every business faces unique challenges and risks. Our 
Business Owner’s Policy is designed to provide tailored protection to protect against property and liability risks. Combining property, liability, and business interruption insurance into one convenient package, our BOP simplifies your protection needs.
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Or, Call (877) 240-4678
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Secure, Fast, and Flexible
Customized Business Owner’s Policy Coverage for Your Unique Risks
A Business Owner’s Policy (BOP) offers the flexibility to cater specifically to your business needs by combining or selecting individual coverages. You can choose property insurance to protect your physical assets from damage or theft, and liability insurance to safeguard against claims of injuries or damage caused by your business operations. A BOP combines property and liability coverage into one convenient package, with some optional add-ons depending on your business’s needs.

While a BOP can be tailored to include both property and liability protections, it is important to note that it does not automatically cover all risks, such as professional liability, auto insurance, worker’s compensation, or cyber liability insurance. These require separate policies to ensure full coverage of all potential business liabilities and risks.
How it Works

Choose the Business Owner’s Policy That Fits Your Needs

A Business Owner’s Policy can be tailored to focus on specific areas of risk management, allowing you to select between liability coverage, property insurance, or a combination of both. Depending on your business operations, you may prioritize one over the other or find a balanced approach optimal.
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Or, Call (877) 240-4678
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Liability Coverage
Liability insurance within a BOP protects your business from the financial fallout of claims involving bodily injuries or property damage caused by your business activities. This coverage is essential for businesses that interact with the public, handle client property, or operate in spaces where accidents could occur, providing defense and damages if you are legally responsible.
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Property Coverage
Property insurance under a BOP covers the physical assets of your business, including your building, equipment, inventory, and other contents from damage due to fire, theft, and other covered disasters. Ideal for businesses with significant investment in physical goods or those that operate out of owned or leased premises, this coverage helps you quickly recover and rebuild in the aftermath of a loss.
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Understanding the Investment

How Much Does a Business Owner’s Policy Cost?

The cost of a Business Owner’s Policy (BOP) varies depending on several factors specific to your business, such as the level of risk, the type of business, the amount of coverage needed, and your claims history. In past years, small businesses paid an average of around $60/month for BOP coverage, though actual premiums vary widely. Your BOP cost is influenced by:
Business Type
High-risk industries may incur higher premiums.
Coverage Needs
More comprehensive coverage increases costs.
Claims History
A history of claims can lead to higher rates.
Location and Size of Your Business
These can also affect your insurance costs.

What Can a Business Owner’s Policy Typically Include?

A Business Owner’s Policy (BOP) can be structured to address a variety of risks commonly faced by businesses. These coverages are subject to the specific terms and conditions of your policy. It’s important to consult with a Sun Coast insurance professional to understand the full scope of coverage and how it applies to your business and employees. The insurances typically included in a BOP are:

General Liability

Offers protection against covered claims arising from injuries or damage to other people or property. This includes legal defense and settlement costs if your business is found legally responsible.

Property Insurance

Provides coverage for your business property and physical assets in the event of damage or loss due to events like fire, theft, or natural disasters.

Equipment Breakdown

Optional coverage available under many BOPs covers the repair or replacement of malfunctioning or damaged equipment crucial to your business operations.

Business Interruption

Compensates for lost income and covers operating expenses if your business must temporarily close due to a covered loss.
Trust

Business Owner’s Policy Coverage Built on Trust, Simplicity, and Savings

Partner with us for seamless and supportive insurance. Our dedicated team of agents and customizable, budget-friendly plans ensure you get the coverage you need, exactly when you need it.
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Sun Coast has over 3,500 independent agents in Arizona, Colorado, California, Hawaii, Nevada, Oregon, Utah, and Washington.
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Budget Friendly
We offer you the insurance coverage you want, without all the unnecessary extras. When you only pay for the coverage you need or want, you save.
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Support

Got Questions About a Business Owner’s Policy?

We have answers for you on all things insurance.
Do I need a Business Owner’s Policy?
Whether a Business Owner’s Policy (BOP) is necessary depends on various factors specific to your business, such as your risk exposure and financial capability to handle losses. However, for most small to medium-sized businesses, the costs associated with potential risks—such as property damage, liability claims, or business interruptions—can far outweigh the monthly premium of a BOP. Without adequate coverage, a single incident of theft, fire, or a lawsuit could jeopardize the financial stability of your business. Investing in a BOP is a proactive measure that helps ensure your business can sustain unforeseen setbacks and continue operations without devastating financial implications.
Who needs a Business Owner’s Policy?
BOPs are ideal for small to medium-sized businesses that face potential risks of property damage or liability claims and can benefit from business interruption coverage. This includes retail stores, restaurants, small offices, and service providers. A BOP is particularly beneficial for businesses that operate from specific premises or have physical assets that need protection.
How is a BOP different from general liability insurance?
Unlike general liability insurance, which only covers claims of bodily injury, property damage, and related legal costs, a BOP offers more comprehensive protection. A BOP not only includes general liability coverage but also incorporates property insurance and business interruption insurance, providing a broader safety net that addresses multiple aspects of business risk in one policy.
Can I customize my Business Owner's Policy?
You can enhance your policy with additional protections such as equipment breakdown or hired/non-owned auto coverage. Coverage for professional liability typically requires a separate policy.
How does a BOP protect me from business interruptions?
Business interruption insurance, included in a BOP, compensates you for lost income and helps cover operating expenses if your business must temporarily close or significantly reduce operations due to a covered peril, such as damage from a fire or severe weather. This coverage is crucial for helping to maintain your business's financial stability during disruptions, allowing you to focus on recovery and restoration efforts.
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“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
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“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
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“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer
“Great rates. Flawless transaction best rates I found!”
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CJ
Sun Coast Customer
“The representative Nancy is amazing. She walked me through the process and helps me still if I question anything”
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Amber
Sun Coast Customer
“Their insurance rates are much lower and my deductible is even lower. Customer service is always super helpful and ready to accommodate! I highly recommend Sun Coast General Insurance!”
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Chelsea M.
Sun Coast Customer
“They've been the cheapest I've found for years.”
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Shantell
Sun Coast Customer
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Sun Coast General Insurance Agency, Inc. is a wholesale insurance agency and authorized program administrator for several insurance companies authorized to sell in Arizona, Alaska, California, Colorado, Florida, Hawaii, Nevada, Oregon, Texas, Utah and Washington. We provide consumers with online, phone, and in-person insurance services through our insurance company and independent agent relationships.
Sun Coast offers all of it's products through independent insurance agents. If you would like to speak with a local independent insurance agent near you, please call (800) 300-8838 and one of our representatives will put you in contact with an authorized Sun Coast producer.