Most BOPs combine three core coverages:

• Property Insurance
  Protects your building (owned or leased), office equipment, inventory, signage, and more—on-site and sometimes off-site.

• Business Interruption (Loss of Income)
  Covers lost income and operating expenses if you’re forced to shut down temporarily due to a covered event like a fire or storm.

• General Liability Insurance
  Protects against claims of bodily injury, property damage, or personal injury caused by your business operations, products, or services.

​

​

🧩 Optional Add-Ons

Because no two businesses are alike, your BOP can be enhanced with:

• Cyber Liability – For data breaches, ransomware, and privacy violations

• Employment Practices Liability (EPLI) – Covers claims like wrongful termination or discrimination

• Tools & Equipment Coverage – Great for contractors, trades, and mobile businesses

• Professional Liability (E&O) – Especially useful for consultants, tech professionals, and service providers

• Hired & Non-Owned Auto – Covers vehicles your business uses but doesn’t own

• Crime Coverage – Protects against internal theft or fraud

We help you choose the endorsements that actually apply to your business—no filler.

​

​

👥 Who Is a BOP For?

Our typical BOP clients include:

• Consultants & Freelancers

• Retail Shops

• Restaurants & Cafes

• Medical & Dental Offices

• Personal & Pet Care Businesses

• Commercial Property Owners

• Tech Companies & Startups

• Nonprofits & Religious Organizations

• Contractors & Tradespeople

If you have fewer than 100 employees and under $10 million in annual revenue, a BOP is likely the best starting point for comprehensive protection.

​

​

💡 Why Clients Choose AEC for Business Coverage

• We’re brokers, not agents. That means we work for you—not an insurance company.

• We explain coverage in plain English. You won’t get lost in the fine print.

• We quote multiple carriers. You’ll see your options clearly and know what you’re paying for.

• We’re easy to reach. No 1-800 numbers, no phone trees—just real people who know your business by name.

​

​

💸 Discounts & Cost Considerations

Premiums depend on your business type, location, revenue, and coverage limits—but we actively look for savings:

• Multi-policy bundles

• Claims-free credits

• Alarm or sprinkler systems

• Trade association memberships

• New business incentives

​

​

❓ FAQs

Is a BOP required by law?
No, but it may be required by landlords, lenders, or vendors you do business with. It’s also a smart way to protect your investment and reputation.

What if my business doesn’t qualify for a BOP?
We can still build a customized commercial package policy (CPP) to suit your needs—especially if you're in a higher-risk industry or need specialized coverages.

Does a BOP include Workers’ Comp?
No, but we can quote it alongside your BOP and coordinate both coverages to avoid gaps.

What if I work from home?
Home-based businesses may still need a BOP or separate liability coverage—homeowners insurance often won’t cover business-related losses.

​

​

📞 Let’s Build a BOP That Works for You

Get coverage that keeps up with your business—not just your paperwork.

Call: 805-328-5001
Email: info@aecriskmanagement.com