Business Owner’s Policy Texas
Business Owner’s Policy (BOP) for Texas Businesses
A BOP bundles general liability and commercial property into one cost-effective policy — designed for small to mid-size businesses that want broad coverage without managing multiple policies.
What’s covered
- General liability — bodily injury, property damage, completed operations
- Commercial property — building and/or business personal property
- Business interruption income coverage
- Optional add-ons: cyber, equipment breakdown, hired/non-owned auto
Best for
- Retail, office, and service businesses with a physical location
- Small businesses consolidating coverage to reduce cost
- Businesses that need both liability and property protection
Get a BOP quote
Tell us your business type and we’ll find the right fit fast.
What’s included in a Business Owner’s Policy
A BOP bundles general liability and commercial property into one policy — typically at a lower combined price than buying each separately. It’s designed for small to mid-size businesses that have both liability exposure and property worth protecting.
Third-party bodily injury, property damage, and personal/advertising injury. The same core GL coverage — bundled in.
Buildings, contents, equipment, inventory, and furniture. Covers fire, theft, vandalism, and certain weather events.
Covers lost income if a covered property loss forces you to shut down temporarily — rent, payroll, and operating expenses while you recover.
Cyber liability, professional liability, equipment breakdown, and hired/non-owned auto can often be endorsed onto a BOP depending on the carrier.
BOP cost ranges for Texas small businesses
BOP pricing depends on business type, revenue, property value, and location. Texas businesses in coastal or hail-prone areas may see higher property rates.
| Business Type | Typical Annual BOP | Notes |
|---|---|---|
| Retail store | $600 – $1,800/yr | Depends on inventory value |
| Office / consulting | $400 – $1,200/yr | Lower risk, usually BOP-eligible |
| Restaurant / food service | $1,500 – $4,000/yr | Higher GL exposure, liquor may add cost |
| Service business (non-contractor) | $500 – $1,500/yr | Cleaning, landscaping, mobile services |
| Light contractor / handyman | $800 – $2,400/yr | Some trades require standalone GL instead |
BOP questions — answered
Is a BOP right for contractors?
It depends on the trade. Many contractors are better served by a standalone GL policy — especially if they work at client sites and don’t have significant property exposure. Contractors with a shop, warehouse, or substantial equipment inventory may find a BOP more practical. We’ll help you figure out which structure fits.
What carriers offer BOPs in Texas?
We work with The Hartford, Coterie, NEXT, Hiscox, biBERK, and others for BOP placement depending on class and account size. Carrier appetite varies significantly by industry — we match based on fit, not just price.
Does a BOP cover my tools and equipment?
The property component of a BOP typically covers contents at a fixed location. Tools in transit or at job sites may need an inland marine or tools/equipment floater. Let us know how your equipment is used and we’ll make sure the coverage matches.
Get BOP options for your Texas business
Tell us about your business and we’ll put together the right coverage package — GL only, BOP, or something else entirely.
Get BOP Options →