Offices and Professional Firms
Accounting, real estate, consulting and medical offices, owned or leased.
Business Owner's Policy in San Antonio
A business owner's policy, or BOP, packages general liability, property and business income coverage for small businesses that qualify.
Who It's For
Retail Shops and Studios
Stores, salons, fitness studios and showrooms with inventory and equipment to protect.
Restaurants and Cafes
Many insurance companies offer restaurant BOPs with food spoilage and equipment breakdown options.
What It Covers
General Liability
Injury and property damage claims from customers, visitors and the work you do.
Business Property
Your building if you own it, plus furniture, equipment, inventory and improvements you made to a leased space.
Business Income
Lost income and ongoing expenses while you are closed after a covered loss, such as a fire.
Equipment Breakdown
Repairs when equipment fails mechanically or electrically. Often available as an add on.
Optional Coverage
Data breach, employee dishonesty, spoilage and hired and nonowned auto, depending on the insurance company.
Texas and San Antonio Details
Many Texas property policies, including BOPs, carry a separate deductible for wind and hail written as a percentage of the property limit. Know that number before storm season.
A BOP leaves out workers' compensation, commercial auto and professional liability. Those are separate policies, and we quote them together when you need them.
If you lease your space, the landlord's policy covers the building, not your furniture, equipment, inventory or the improvements you paid for. Your lease will also spell out the liability limits you need to carry.
Common Questions
Who Qualifies for a BOP?
Small and midsize businesses in lower risk classes, such as offices, retail and many service businesses. Each insurance company sets its own limits on size, revenue and type of business.
Does a BOP Include Workers' Comp?
No. Workers' compensation, commercial auto and professional liability are separate policies.
Do I Need a BOP If I Lease My Space?
Usually. Your lease likely requires general liability, and you still own furniture, equipment, inventory and improvements that the landlord's policy does not cover.
Is Flood Covered?
Not by a standard BOP. Flood coverage is a separate policy.
What Is a Wind and Hail Deductible?
A separate deductible for wind and hail claims, often a percentage of the property limit. A 2% deductible on $500,000 of property is $10,000, so it is worth knowing before a storm.
Related Coverage
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