Kelly Glass Insurance

📦 What Is a BOP? And Does Your Business Need One? 🏢
You've got your business license, your first few clients, maybe a lease. Insurance is the next box to check, but where do you even start? 💡
For many small business owners, the answer is a Business Owner's Policy (BOP). It's a bundled insurance package built for businesses like yours. Here's what's usually inside:
1️⃣ General Liability: Covers injuries, property damage, and legal costs involving third parties. ⚖️
2️⃣ Commercial Property: Protects your building, equipment, and inventory from damage or loss. 🏗️
3️⃣ Business Interruption: Helps replace lost income if a covered event forces you to close temporarily. 🔒
The big win? A BOP usually costs less than buying each of these policies separately. 💸
One catch: BOPs are usually reserved for lower-risk businesses—retail, offices, service providers. Higher-risk industries, such as construction, may not qualify. But the same coverages can still be purchased individually. 🔍
And even if you do qualify, coverages like professional liability, commercial auto, and workers' comp are usually added separately.
Do you have a BOP, or are you buying coverages separately? Drop a comment! We're curious what's working for other business owners. 💬
And if you're not sure what you have or what you need, DM us or give us a call. We love helping business owners find coverage that actually makes sense. 📞