Business Owners Policy (BOP)

Big protection, bundled for small business

A Business Owners Policy—BOP for short—bundles the essential coverages most small businesses need into one simple package. It’s a smart way to cover your liability, your building or space, and your equipment without juggling multiple policies. We’ll help you customize a BOP that fits your operation, your budget, and the way you work across Western Montana.

What a BOP Can Cover

Coverage built for small business

A BOP combines several key types of coverage into one policy. It’s designed to protect your business from the most common risks—all in one place:

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General Liability

Covers injuries, property damage, or lawsuits resulting from everyday business operations.

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Commercial Property

Helps repair or replace your building, inventory, equipment, or furnishings after a covered event like fire, theft, or vandalism.

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Business Personal Property

Covers the contents of your workspace—like tools, computers, or office supplies—even if you lease your location.

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Business Interruption (optional)

Helps cover lost income and extra expenses if a covered event shuts down your business temporarily.

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Equipment Breakdown (optional)

Pays for repairs or replacement of key equipment that suddenly fails, like HVAC units or machinery.

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Cyber Liability (optional)

Adds protection against data breaches, hacks, or customer information leaks—especially useful for businesses that store digital records.

Business Owners Policy FAQ

Simple answers for busy business owners

  • What kind of businesses are eligible for a BOP?

    BOPs are designed for small to midsize businesses across a wide range of industries—like retail shops, offices, restaurants, contractors, and service providers. To qualify, you usually need fewer than 100 employees and a relatively low-risk operation. If your business fits that profile, a BOP can offer great coverage at a better price. We’ll help you figure out if it’s a good fit.

  • How is a BOP different from buying separate policies?

    A BOP bundles multiple coverages—like general liability and property—into one package, often at a discount. Instead of managing separate policies, you get one streamlined plan. It simplifies billing, claims, and renewals, and can save you money. We’ll compare bundled and standalone options so you get the best value.

  • Can I customize a BOP for my business?

    Yes. While the core coverage is fairly standard, most BOPs let you add extras based on your business needs—like cyber coverage, tools in transit, or outdoor signage. We’ll work with you to make sure your policy reflects how you operate. No one-size-fits-all here.

  • Does a BOP cover employees or vehicles?

    Not directly. You’ll still need workers compensation to cover employees and commercial auto insurance for any business vehicles. A BOP focuses on your liability, your space, and your equipment. We’ll help you round out your coverage so nothing important gets left out.

  • How much does a BOP cost in Montana?

    Costs vary based on your industry, location, size, and coverage limits. Most small businesses in Montana find BOPs to be a cost-effective way to get solid protection. We’ll shop with multiple carriers to get you a quote that makes sense—no surprises, no fluff.