What Is It?
Understanding Business Owners Policy (BOP)
A Business Owners Policy (BOP) bundles General Liability and Commercial Property insurance into one cost-effective policy. It’s designed for small and mid-sized businesses and usually costs less than buying the coverages separately.
Who Needs It?
Is This Right for My Business?
Ideal for businesses with a physical location such as retail stores, restaurants, offices, salons, contractors, and service companies. If you have a storefront, equipment, inventory, or interact with the public, a BOP is often the best foundation.
Coverage Details
What Does a BOP Cover?
Covers third-party bodily injury, property damage, and advertising injury.
Protects your building, equipment, inventory, and business personal property.
Replaces lost income if your business must close due to a covered loss.
Covers mechanical or electrical failure of business equipment.
Pays additional costs to keep your business running after a covered loss.
Basic cyber protection including notification costs.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas
We help businesses across the Southeast and can place coverage nationwide through our carrier network.
Common Questions
Business Owners Policy (BOP) FAQs
What’s the difference between a BOP and General Liability?
General Liability only covers third-party injury and property damage. A BOP includes GL plus Commercial Property and Business Interruption coverage — giving you broader protection, usually at a lower cost.
Can I add coverages to a BOP?
Yes. You can add Workers’ Compensation, Commercial Auto, Professional Liability, Cyber Liability, and more as needed.
Is my home-based business eligible for a BOP?
Most home-based businesses don’t qualify for a traditional BOP. However, we can offer a home-based business policy or standalone General Liability that meets your needs.
How much does a BOP cost in Georgia?
BOPs for small businesses in Georgia typically range from $500 to $3,500+ per year depending on industry, location, revenue, and limits. We compare multiple carriers to find the best rate for you.
Why Choose TWFG Insurance Branch 342?
Independent agency — we compare dozens of insurers to find the best rate and coverage for your business.
Based in LaGrange, GA — licensed in 7 states and nationwide.
We fight for you when it matters most — at claim time.
We review your policy every year as your business grows.
Other Commercial Coverage Options
Ready to Get Covered?
Get a free Business Owners Policy quote. No obligation, no pressure.