Business
Business Owners Policy
A Business Owners Policy (BOP) is often a practical starting point when a business wants property and liability protection discussed together. Salazar Torres & Associates can help you review whether a BOP may fit your operation. Eligibility depends on the business, the insurance company, and the state.
- May package frequently requested commercial coverages in one policy, when eligible.
- Gives an advisor a clear starting point for small and midsize business conversations.
- Helps you compare a packaged option with separate policies, without promising a result.
Request a BOP quote conversation
Enter your business ZIP Code. An advisor from Salazar Torres & Associates will continue the conversation.
Prefer to speak with someone?
No commitment. An advisor will contact you to discuss available options.
What a BOP may help protect
A qualifying BOP may address business property and certain third-party liability claims in one policy. What is included, and what is excluded, is defined by the insurance company and the policy.
- Business property
Conversations may include the building you occupy, furniture, inventory, or equipment used in the business, subject to the policy.
- Third-party liability
A BOP may include liability for certain injury or property-damage claims related to qualifying operations.
- One-policy convenience
When eligible, packaging coverages can simplify billing and certificates. An advisor will still confirm whether separate policies are a better fit.
- Eligibility and class of business
Insurance companies underwrite BOPs by business type, location, and operations. Some trades or higher-risk activities may need a different approach.
- What a BOP is not
A BOP is not a substitute for workers’ compensation, commercial auto, professional liability, or a surety bond unless those coverages are added and accepted separately.
Availability, limits, exclusions, and conditions depend on the insurance company, the policy, and the state. Salazar Torres & Associates is an independent agency and does not issue policies on this website.
Not sure which coverage fits your needs?
An advisor can help you explore available options based on your needs.
Who may need this coverage?
A BOP is often discussed with owners of qualifying shops, offices, and service businesses. Not every operation is eligible.
Small and midsize businesses that want property and liability reviewed together.
Owners who have been asked for a certificate of insurance for a lease or a client contract.
Businesses comparing a packaged policy with buying coverages separately.
Here’s How Easy It Is
Talk to an Advisor
Review Your Options
Choose Your Protection
Request Your Quote
Talk to an Advisor
Review Your Options
Choose Your Protection
Cover more with one request
Add a related coverage to discuss together with an advisor.
Business Owners Policy + General Liability
Discuss a Business Owners Policy together with general liability.
SelectBusiness Owners Policy + Workers’ Compensation
Discuss a Business Owners Policy together with workers’ compensation.
SelectBusiness Owners Policy + Commercial Umbrella
Discuss a Business Owners Policy together with commercial umbrella.
SelectQuestions about this coverage
A BOP may combine common commercial property and liability coverages in one policy for qualifying small and midsize businesses. Eligibility depends on the type of operation, the insurance company, and the state. This page is educational and is not a policy.
The business ZIP Code, a contact person, and a short description of what the business does. Do not upload financial statements or employee lists on this website.
Yes. Combination buttons can preselect general liability, workers’ compensation, or commercial umbrella in the quote form. Review the list before you send it.
No. Coverage is not in force from a website form. An advisor from Salazar Torres & Associates follows up, and an insurance company decides eligibility.
Ready to Explore Your Protection Options?
Tell us what you need and receive personalized guidance from our team.