Business owners policy (BOP) for Washington small businesses

A business owners policy (BOP) combines general liability, commercial property and business income insurance into a single policy, usually at a lower cost than buying each coverage separately. It is the starting point for most small and mid-size businesses in Edmonds, Lynnwood and the surrounding area.

What a BOP covers

• General liability: customer injuries, damage to others’ property and advertising injury
• Business property: your building if you own it, plus equipment, furniture, inventory and tenant improvements
• Business income: lost income and continuing expenses while you are closed after a covered loss
• Common add-ons: equipment breakdown, data breach, employee dishonesty, hired and non-owned auto, and spoilage

Who qualifies for a BOP

BOPs are designed for businesses with modest size and lower hazards, such as offices, retail stores, restaurants, salons, small contractors and light service businesses. Larger or higher-risk operations may need separate commercial package policies, which we also write.

What a BOP does not cover

A BOP does not include commercial auto, professional liability, workers compensation or cyber beyond limited endorsements. We review these exposures with every business client.