Business Owner’s Policy (BOP)

(BOP) Business Owner’s Policy
By: Allen Financial Insurance Group

Contact us for a no obligation (BOP) insurance quote today

In today’s highly competitive business environment need every advantage to succeed. That’s especially true when it comes to selecting your business insurance. A business owner’s policy (BOP) along with Allen Financial’s superior line of business insurance policies you get very broad coverage at a highly competitive price. This gives you the protection you need and the cost savings you demand. 


You should consider a business owner’s policy if you
  • Need general liability insurance coverage.
  • Have business equipment such as computers, printers and furniture.
  • Own the building at which you work and need to insure the property.
  • Own and work with large amounts of data on a regular basis.
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Property Coverage Features

Special Form
Replacement Cost
No Co-Insurance
Deductible Options:  $500 to $25,000



Business Owner’s Coverage

A Business Owner’s Policy (BOP) combines property and business liability insurance into one convenient policy. A Business Owner’s Policy helps cover your business from claims resulting from things like theft, fire, or another covered disaster and from claims involving property damage, bodily injury, and personal and advertising injury that could arise from your business’ operations. Business’ can tailor a Business Owner’s Policy (BOP) to help meet their own unique needs by adding additional optional coverage’s like data breach, business income for off-premises utility services and other specialized coverage’s to their BOP. A (BOP) protects your business in a number of ways. It’s a policy that is important for you to know about because the unthinkable can always happen, and as a business owner you want protection from financially devastating possibilities. 

Building Coverage Includes:

  • Completed Additions

  • Fences & Fixtures

  • Permanently Attached Machinery & Equipment

  • Building Glass

  • Retaining Walls

  • Owned equipment used to maintain property

  • Newly acquired or constructed buildings – $500,000 for 180 days

  • Ordinance of Law – $25,000

  • Outdoor Trees, Plants & Shrubs – $3,000

Equipment Breakdown – Included

  • $25,000 coverage for pollutant contamination

  • $25,000 coverage for expediting expenses

  • $100,000 limit to diagnostic, power generating or production equipment  (Limit can be increased by endorsement)

Additional Coverage Included:

  • Arson & Theft Reward up to $5,000

  • Claim Data Expense – Up to $5,000 for appraisal and inventory expenses

  • Debris Removal – 25% of direct claim amount to maximum of $25,000

  • Expediting Expenses up to $25,000

  • Fire Department Service Charge to $25,000  (deductible does not apply)

  • Fire Protective Equipment Discharge – $10,000 for accidental or intentional discharge

  • Pollutant Cleanup and removal – $25,000 annual aggregate

Liability Coverage Includes:


  • Premises & Operations

  • Advertising & Personal Injury

  • Blanket Contractual – Oral & Written

  • Products & Completed Operations

  • Broad Form Property Damage

  • Unlimited Defense Costs

  • Host Liquor Legal Liability

  • Medical Payments – $5,000

  • Damage to Premises Rented to You – $300,000

  • Web Extend for website liability

  • Limited Worldwide Coverage

Business Personal Property Includes:

  • Property within 1000 feet of the premises

  • Improvements & Betterments

  • Money & Securities

  • Theft of furs up to $2,500

  • Theft of jewelry, watches and precious metals up to $5,000

  • Newly acquired business personal property – $250,000 for 180 days

  • In Transit and at temporary locations you do not own

  • Spoilage

  • Temporary Relocation of Property – $50,000 for up to 90 days

  • Theft damage to rented property

  • Non-Owned Detached Trailers – $5,000

Fine Arts up to $25,000  (Limits can be increased by endorsement)

Business Income & Extra Expense – Actual Loss Sustained for up to 12 months.

  • Deductible does not apply

  • Up to 60 days extended period of indemnity

  • Business Income newly acquired premises – $250,000 for 90 days

Employee Dishonesty – Up to $25,000 (Limit can be increased by endorsement)

Forgery or Alteration – Up to $25,000 (Limit can be increased by endorsement)
Accounts Receivable – Up to $25,000 (Limit can be increased by endorsement)
Valuable Papers – Up to $25,000 (Limit can be increased by endorsement)

Liability Options Available:
  • Aircraft chartered with crew

  • Blanket Additional Insured

  • Blanket Waiver of Subrogation

  • Bodily Injury – Amended Definition

  • Broadened Named Insured

  • Incidental Medical Malpractice

  • Injury to co-employees and co-volunteers

  • Knowledge and notice of occurrence

  • Non-Owned Watercraft increased to 50′

  • Personal Injury – Assumed by Contract

  • Employee Benefits Liability

  • Garagekeepers Legal Liability – Available by endorsement
    Hired & Non-Owned Auto – Available by endorsement



With our Business Owners Policy (BOP), you can reduce your premium costs by choosing a higher deductible. We offer a wide variety of deductible options, from $250 to $5,000. What’s more, we offer substantial discounts to businesses in buildings equipped with sprinklers and superior construction.


Settling a claim has never been easier. Allen Financial Insurance Group has claims offices throughout the nation to provide fast, accurate claims service. We’re among the top-rated insurers in handling claims. In fact, 96% of our customers rate our claims service as excellent.


You also have a choice of payment plans to make it easy on your budget. Ask us about the flexible payment options we offer.

Business Owner’s Policy (BOP)
Information Form

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Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more (BOP) information.

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