Business Insurance

Liability and property in one package

A Business Owner's Policy (BOP) combines general liability and commercial property coverage, and often business income coverage, into one policy designed for small and mid-sized businesses.

Get an Instant Business Quote Request a Custom Quote Call (530) 813-9150

Many small-business policies can be quoted online through NEXT Insurance. For larger, specialized or hard-to-place risks, send a request and we will shop it for you. Selecting "Get an Instant Business Quote" takes you to a third-party website that has its own privacy policy and terms. A quote is not a binder or a guarantee of coverage.

Jacob (Jake) Livingood · CA License #4135028

Bundling can be simpler to manage and may cost less than buying each coverage separately. Eligibility depends on your industry, size and location.

What business owner's policy (bop) can cover

General liability

Third-party bodily injury, property damage and advertising injury.

Commercial property

Your building (if owned), equipment, inventory and furniture.

Business income

Lost income after a covered property loss, when included.

Optional endorsements

Hired and non-owned auto, data breach, equipment breakdown and more, depending on the insurer.

Things to consider

BOPs are commonly available to offices, retail stores, restaurants and some contractors.
Workers' comp, commercial auto and professional liability are separate policies.

This is a general description, not a policy. Coverage, limits and exclusions vary by insurer and are governed by the policy actually issued.

Frequently asked questions

Is a BOP right for my business?

If you have property to protect and a relatively low-hazard operation, a BOP is often a good fit. Tell us about your business and we will compare.

Request a custom business quote

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Submitting this form does not bind or change coverage. Coverage is not in force until confirmed in writing by our agency or the insurer.

Jake Livingood

Licensed Agent · CA License #4135028

Send the form and I'll personally follow up during business hours.

Call (530) 813-9150

Related coverage

General Liability

Business general liability insurance for Yuba-Sutter and Northern California small businesses. Get a quote online or talk to a licensed local agent.

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Workers' Compensation

California workers' comp insurance for employers in Yuba City, Marysville and Northern California. Required for businesses with employees.

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Professional Liability (E&O)

Errors and omissions (E&O) and professional liability insurance for consultants, real estate, accountants, IT and service professionals in Yuba City and beyond.

Learn more →