What Does a BOP Cover?
A BOP combines three critical coverages into one convenient, cost-effective policy — saving you money compared to purchasing each coverage separately.
General Liability
Covers bodily injury and property damage claims from third parties. If a customer slips and falls in your store or your work damages a client's property, general liability pays for legal fees and settlements.
Commercial Property
Covers your building, equipment, inventory, furniture, and other business property against fire, theft, vandalism, and weather damage — whether you own or lease your space.
Business Interruption Insurance
If a covered event forces you to close temporarily, business interruption coverage replaces lost income and pays ongoing expenses (rent, payroll, utilities) while you recover.
Equipment Breakdown
Covers repair or replacement of essential equipment — HVAC systems, computers, commercial kitchen equipment — when they break down due to mechanical or electrical failure.
Personal & Advertising Injury
Protects against claims of libel, slander, copyright infringement, and false advertising — important for businesses with a marketing presence or public-facing operations.
Who Qualifies for a BOP?
BOPs are designed for small to mid-sized businesses. Qualifying industries include retail shops, restaurants, offices, contractors, service businesses, and more. We'll help determine if a BOP is right for your business.
Is a BOP Right for Your Business?
Retail & Restaurants
Customer-facing businesses face significant slip-and-fall and property damage risks. A BOP provides essential protection for brick-and-mortar locations serving the public daily.
Service Businesses & Contractors
Contractors, cleaners, landscapers, and service providers need both liability (for on-site work) and property coverage (for tools and equipment). A BOP bundles both efficiently.
Offices & Professional Services
Even low-risk office-based businesses need liability and property coverage. A BOP is often the most cost-effective way to get baseline protection for professional service firms.
Business Insurance Done Right
Hunter Chaumont has helped hundreds of Texas businesses get properly covered. Don't leave your business exposed — get expert guidance from a local agent who understands your needs.
We Shop Top Carriers
We compare options across leading commercial carriers to make sure your business gets the right coverage at a competitive price.
Industry-Specific Knowledge
Different businesses face different risks. We understand the coverage needs of contractors, retailers, medical professionals, and more.
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