Business Owner’s Policy (BOP) in Los Angeles
General liability, business property, and business income in one policy, usually for less than buying them separately. A BOP fits many small offices, shops, studios, and service businesses.
A BOP at a glance
- What it bundles
- General liability, business property, and business income
- Who it fits
- Small and mid-sized businesses with low to moderate risk
- Not included
- Workers comp, commercial auto, and professional liability
- Common add-ons
- Cyber, employment practices, and equipment breakdown
- Quote turnaround
- Usually 1-2 days
What a business owner’s policy covers
A BOP packages the core coverage most small businesses need. Endorsements fill common gaps without buying separate policies.
General liability
Covers injuries and property damage you cause to others.
Business property
Covers your equipment, inventory, and improvements.
Business income
Replaces lost income while you are closed for a covered loss.
Equipment breakdown
Covers sudden breakdown of HVAC, electrical, and other equipment.
Cyber endorsement
Basic breach coverage, often worth upgrading to a full cyber policy.
EPLI endorsement
Adds coverage for harassment, discrimination, and wrongful termination claims.
What affects BOP pricing
BOP pricing depends on your industry, revenue, payroll, square footage, and the value of your property. An accounting office pays less than a cafe of the same size.
Not every business qualifies. Higher-risk operations or larger companies may need separate property and liability policies, which we can quote too.
Ways to lower your premium
- Make sure your business class code is accurate
- Insure property to real replacement cost
- Add endorsements instead of separate policies where they fit
- Choose a deductible you could cover comfortably
- Review revenue and payroll estimates each year
What moves your rate
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Industry
Restaurants and contractors cost more than offices.
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Revenue and payroll
Liability is often rated on how much business you do.
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Square footage and location
Bigger spaces and higher-risk areas cost more.
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Property values
More equipment and inventory means a higher premium.
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Claims history
Recent losses can raise rates or limit eligibility.
BOP questions
Don't see yours? Call (310) 751-5979 and ask.
Does a BOP include workers compensation?
No. Workers comp is a separate policy, required in California once you have employees.
Who qualifies for a BOP?
Many small offices, retailers, and service businesses qualify. Carriers set limits on size, revenue, and type of operation.
Is a BOP cheaper than separate policies?
Usually. Bundling property and liability in one package typically costs less than buying them separately.
Does a BOP cover professional mistakes?
No. Errors in professional advice or services need professional liability coverage.
Find out what you should be paying
Tell us about your business. We compare carriers and come back with real quotes, usually within 1-2 days.