Business Owners Policy · Washington State
Business Owners Policy (BOP) for Washington Small Businesses
General liability and commercial property bundled into one affordable policy — with a discount for buying them together. The smart choice for businesses with a physical location.
What a BOP Includes
A standard Business Owners Policy combines four core protections that most small businesses need:
General Liability
Covers bodily injury, property damage, and personal/advertising injury claims made by third parties against your business.
Commercial Property
Protects your building (if owned), equipment, inventory, furniture, and fixtures from fire, theft, vandalism, and most weather events.
Business Interruption
If a covered loss forces you to close temporarily, BOP replaces lost income and covers ongoing expenses like rent and payroll during the shutdown.
Equipment Breakdown
Covers sudden mechanical or electrical failure of business equipment — HVAC, refrigeration, computers, and production machinery.
Common Optional Add-Ons
BOP vs. General Liability Only
Not sure which is right for you? Here's how they compare:
| Feature | BOP | CGL Only |
|---|---|---|
| General Liability | ||
| Commercial Property | ||
| Business Interruption | ||
| Equipment Breakdown | ||
| Bundled Discount | ||
| Works for contractors (no fixed location) |
Bundled savings: Most carriers offer a 10–20% discount when you combine GL and property in a BOP versus buying each policy separately.
Who Is a BOP Right For?
Retail Stores
Inventory, fixtures, and customer slip-and-fall exposure in one affordable package.
Restaurants & Cafés
Equipment, food spoilage, premises liability, and business interruption bundled together.
Offices & Consultants
Protect your workspace, computers, and client-facing liability without overpaying.
Service Businesses
Salons, gyms, auto shops, and other service businesses with a physical location.
What a BOP Does Not Cover
A BOP is comprehensive but not all-in-one. These gaps require separate policies — we can help you fill them.
Frequently Asked Questions
Get Your BOP Quote Today
Independent agency. Multiple carriers. We find the right Business Owners Policy for your industry, location, and budget — and make sure you're not paying for coverage you don't need.
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