Business Owners Policy (BOP)
One Policy, Complete Small Business Coverage

The Small Business Bundle-Property, Liability & More

A Business Owners Policy (BOP) combines essential coverages for small businesses: commercial property, general liability, and (in most cases) business income protection. With one affordable package, Gateway Insurance can help business owners protect buildings, inventory, equipment, and cash flow-while meeting common lease and contract requirements.

Basic Coverages & Common Endorsements

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Commercial Property

Covers your building (if owned), equipment, inventory, furnishings, and signs.

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General Liability

Protects your business against lawsuits for bodily injury, property damage, and advertising injury.

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Business Income

Coverage for lost revenue and fixed expenses if a covered loss forces a shutdown (fire, storm, burst pipes).

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Endorsement Options

Coverage like equipment breakdown, cyber liability, hired/non-owned auto, spoilage, outdoor property, and more are endorsements that can be customized for your operations.

Is a Business Owners Policy Right for Your Business?

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Retail stores, shops, and boutiques

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Professional offices (accountants, realtors, insurance agents)

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Service businesses (salons, repair, consulting)

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Light manufacturing or workshops

Not Always a Fit:

High-hazard industries (heavy trucking, large apartments, manufacturing with hazardous processes) may need specialized packages-Gateway can advise and route you to the right solution.

Bundle Savings & Simpler Coverage

A BOP often costs less than buying property, liability, and income coverage separately-plus you get one renewal, one bill, and fewer coverage gaps. Gateway compares BOP rates across carriers and can explain the differences, so you make an informed choice.

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What You'll Need for a BOP Quote

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Business type and legal structure (LLC, corp, sole prop, etc.)

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Annual revenue and payroll

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Building ownership/tenant status

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Equipment and inventory details

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Number of employees

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Vehicles (if any)

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Prior claims or loss history

Gateway can review your business operation with you, recommend the coverages and together determine the best way to write your policy.

Coverage for your Business

Whether you run a storefront or office downtown, or a service shop, Gateway Insurance can discuss your exposures and business needs and design a BOP policy to protect your property, liability risks, and contract needs.

BOP Insurance-Questions Answered

  • What is a BOP and what does it cover?

    A Business Owners Policy bundles property, liability, and (often) business income in one package for small business protection.

  • Is a BOP less expensive than separate policies?

    Usually, yes-plus it's simpler to manage. Gateway offers BOP-Policies with multiple carriers.

  • Does a BOP include business income coverage?

    Most do-ask Gateway to review limits and options for your business.

  • What businesses qualify for a BOP?

    Typically, small to midsize retail, office, and service businesses-eligibility varies by carrier.

Bundle Your Business Protection-Start a BOP Quote Today

Get property, liability, and income coverage-without the hassle of multiple policies. Gateway Insurance can compare your options and we deliver local personal service for your small business.