One Policy. Smarter Protection for Your Business.
Running a business comes with risks — from property damage to liability claims. A Business Owner’s Policy (BOP) combines essential coverages into one streamlined solution, helping protect your business assets, operations, and finances.
At James Econn & Co., we help you design a BOP that fits your business size, industry, and risk exposure — without unnecessary complexity.
What Is A Business Owner’s Policy (Bop)?
A Business Owner’s Policy is a bundled insurance solution that typically combines commercial property insurance and general liability insurance into a single, cost‑effective policy.
It provides financial protection against common business risks such as:
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Damage to business property or equipment -
Third‑party injury or property damage claims
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Legal expenses and settlements
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Business interruption due to covered events
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Certain operational risks (as per policy terms)
Our advisors help you understand what’s included, what’s optional, and what your business truly needs.
Commercial Property Coverage
Buildings, equipment, furniture, and inventory
General Liability Coverage
Third‑party injury and property damage protection
Business Interruption Insurance
Income protection during covered shutdowns
Equipment Breakdown Coverage
Protection for mechanical or electrical failures
Legal Defense Costs
Attorney fees and settlement expenses
Optional Add‑Ons
Cyber liability, employee dishonesty, or professional liability (as applicable)
How to Get BOP Insurance
in 4 steps
Share Business Details
Review Coverage Options
Customize Your Policy
Ongoing Advisory Support
We always help
Frequently Asked
Questions
Is a BOP suitable for all businesses?
BOPs are best for small to mid‑sized businesses. Larger or complex businesses may require separate policies.
Does a BOP include professional liability?
Professional liability is usually not included but can be added separately if needed.
Can I customize a BOP?
Yes. Coverage limits and add‑ons can be adjusted based on your business needs.
What affects the cost of a BOP?
Business type, location, property value, revenue, number of employees, and selected coverage.
Does BOP cover employee injuries?
Employee injuries are typically covered under workers’ compensation, not a BOP.
Protect Your Business With Confidence
(310) 295-1502
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