Business Owners Insurance
Protection Built
Protection Built
for Your Business
Combine essential business coverages into one convenient policy designed to help protect your property, operations, and financial future.
Coverage That Works as Hard as You Do
Coverage That Works as Hard as You Do
Running a business comes with risks that can affect your property, income, customers, employees, and day-to-day operations. A Business Owners Policy, commonly called a BOP, combines several important types of coverage into one convenient policy for qualifying small and midsize businesses.
Benchmark Insurance can help you review your business, identify potential exposures, and explore coverage options designed around your property, operations, industry, and financial risks.
What Can a Business Owners Policy Cover?
Essential Protection for Your Business
Business Property
Helps protect buildings, equipment, inventory, furniture, and other business property against covered losses.
General Liability
Helps protect your business when claims involve bodily injury, property damage, or certain other covered liabilities.
Business Interruption
May help replace qualifying lost income and operating expenses when a covered event temporarily disrupts your business.
Equipment & Property
Coverage options can help protect essential tools, computers, machinery, supplies, and other property used in your operations.
Who May Benefit?
A Good Fit for Many Types of Businesses
Everyone’s financial situation is different. Benchmark Insurance can help you understand how umbrella coverage works with your existing policies and choose limits that fit your needs.
Retail stores
Professional offices
Contractors
Restaurants
Service businesses
Small manufacturers
Property-based businesses
And more
Eligibility and available coverage vary by insurer and business type.
Built Around Your Business
Coverage That Fits Your Operation
No two businesses face exactly the same risks. Your insurance needs can depend on your industry, location, property, employees, vehicles, equipment, customers, and the way your business operates from day to day.
Benchmark Insurance can help you review those risks, compare available coverage options, and build a policy designed around your business, your priorities, and the protection you may need as your operation grows and changes.
Why Choose Benchmark Insurance?
Local Guidance. Business-Focused Protection.
Personalized Guidance
We take time to understand your business and the risks that come with running it.
Multiple Coverage Options
We can help compare available policies and coverage choices from insurance carriers.
Local Service
Get straightforward assistance from an agency that understands the communities we serve.
Ongoing Support
As your business changes, we can help review your coverage and identify potential gaps.
Frequently Asked Questions
What is a Business Owners Policy?
A Business Owners Policy, or BOP, combines several common business coverages into one policy, typically including property, general liability, and business interruption protection.
Who qualifies for a Business Owners Policy?
Eligibility varies by insurer and may depend on your industry, business size, location, revenue, property, and overall risk.
Is a BOP the same as general liability insurance?
No. General liability is usually one part of a BOP. A Business Owners Policy may also include property and business interruption coverage.
Does a BOP cover business vehicles?
Business vehicles generally require separate commercial auto insurance.
Does a BOP include workers’ compensation?
Typically, no. Workers’ compensation is usually purchased separately when required or appropriate for the business.
Can a Business Owners Policy be customized?
Yes. Depending on the insurer and business, additional endorsements or separate policies may be available for risks not included in the standard BOP.
Contact Benchmark
Protect Your Business
With the Right Coverage
Your business represents years of work, investment, and planning. Let us help you protect what you’ve built.
