Business Owner’s Policy

Expansive coverage to protect your small business.
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Insurance Coverage Tailored for Small Businesses

From wall-to-wall, your Business Owners Policy (BOP) extends coverage to the building that houses your operations, the equipment that powers your business, and even the income you may lose due to a qualifying unforeseen event. Core BOP coverage from B2Z also includes general liability and business interruption. Answer a few questions about your business (such as business location, building size, etc.) to receive an instant quote online, without having to speak to a broker.

Keep Growing, Knowing Your Small Business Is Protected

Your small business is unique—so your coverage should be flexible to fit your budget, while reducing your risk. Set your policy limits to arrive at the right balance of affordable protection, and scale your coverage as your business grows. Most of all, when unexpected incidents arise, rely on your coverage to keep your business moving forward. Included in a comprehensive BOP from B2Z: general liability, property protection, and business interruption (lost income) coverage.
75%
of small business are underinsured
40%
of business owners consider their business as their main source of income
35.2%
of small business reported incidents that could have been covered by insurance
59.2%
of business owners consider their business as their main source of income

What does a Business Owner’s Policy cover?

BOP is bundled coverage that extends to your property—buildings, personal property, and equipment—as well as liability for unforeseen third-party injuries or damages. In general, if you experience a theft or a customer is injured onsite, a BOP may reduce your financial risk and operational impact arising from such occurrences. Beyond liability, the income you lose following a business stoppage due to a natural disaster or other qualifying event may also be covered under your policy from B2Z.

How much does a Business Owner’s Policy cost?

The short answer: It’s unique to your business and depends on factors like location, type of business, annual sales, etc. Premium for a policy from B2Z can start as low as $250/year for a micro-business and averages about $1,500/year for a standard small business. Note: It could be over $10,000/year for a small business owning multiple locations. To find out your rate, answer a few questions related to your business and receive a quote online.