A Business Owner Policy packages the three coverages most small California businesses need — property, general liability and business income — into a single policy that usually costs less than buying them separately.
Commercial property covers your building or tenant improvements, inventory, furniture and equipment. General liability responds to customer injuries and property damage you cause. Business income replaces lost revenue while you are shut down after a covered loss — the piece owners most often skip and most often need after a fire or major water leak.
Carriers reserve BOPs for lower-hazard operations under certain size thresholds: retail shops, offices, professional services, salons, small restaurants and light contractors are common fits. Class code, square footage, annual receipts and payroll all affect eligibility. If your operation outgrows the BOP box, we move you to a commercial package or monoline program without a gap.
Equipment breakdown, spoilage for food businesses, hired and non-owned auto for employees running errands, employment practices liability, and cyber liability for anyone storing customer data are all inexpensive additions at the BOP level. We review your lease too — most Santa Clara County landlords require specific limits and an additional-insured endorsement.