Kendal Burns
CEO & Founder
A Business Owner Policy bundles commercial property, general liability, and business income into one policy — designed for Texas restaurants, retailers, contractors, and professional offices.
Benefits
A Business Owner Policy combines commercial property, general liability, and business income coverage into a single contract at a lower combined premium than buying the three separately. Carriers can price it aggressively because BOP eligibility is restricted to lower-hazard operations with predictable losses. For a Houston bakery, boutique, insurance-adjacent office, or small professional firm, the BOP is almost always the right chassis to start from.
Eligibility varies by carrier but generally covers businesses under roughly $5 million in revenue, occupying under 25,000 square feet, in low- to moderate-hazard classes: retail, offices, restaurants, light contractors, and many service businesses. Heavy manufacturing, high-hazard contracting, and businesses with significant auto or professional exposure fall outside standard BOP appetite and need separately written policies.
The base BOP is a starting point. Most Texas small businesses should look at equipment breakdown for HVAC, refrigeration, and point-of-sale systems; cyber liability for anything storing customer data; employment practices liability once there are employees; spoilage coverage for restaurants; and hired and non-owned auto liability if staff ever drive their own cars for work. Each is inexpensive as an endorsement and expensive to discover missing.
A BOP does not cover workers compensation, commercial auto for owned vehicles, professional liability or errors and omissions, or flood. Those are written separately. We build the full program so nothing sits in the gap between policies, and we time the renewals together so you review everything once a year rather than four times.
Pricing
Frequently Asked
Most businesses under roughly $5M in revenue and 25,000 square feet in low- to moderate-risk classes — retail, offices, restaurants, light contractors, and many service businesses.
Workers compensation, commercial auto for owned vehicles, professional liability or E&O, and flood are all written separately. We build those alongside the BOP so there are no gaps between policies.
Almost always, for eligible businesses. Bundling property, general liability, and business income into one contract typically costs less than the same coverages written individually.
Yes — business income coverage is standard in most BOP forms, which is a meaningful advantage on the Gulf Coast where hurricanes and freezes cause extended closures.
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