# Business Owner's Policy

### What is a Business Owner's Policy?

A Business Owner's Policy (BOP) is a comprehensive insurance package designed specifically for small businesses. It combines two essential coverages, general liability and property insurance, into a single policy so small business owners can protect their business property and assets while also having coverage for third-party claims. Liability and property coverage are typically mandatory for many small business classes. &#x20;

### What are the benefits of BOP to small businesses?

* **Cost Savings:** By bundling general liability and property policies, BOP insurance offers substantial cost savings compared to purchasing each policy individually. This smart consolidation enables small business owners to access comprehensive coverage while keeping expenses in check.
* **Streamlined Experience:** BOP insurance simplifies the purchasing experience for small business owners with its standardized package. By consolidating multiple coverages into a single policy, small business owners can efficiently manage only one insurance policy instead of several, freeing up resources to focus on critical aspects of their business.&#x20;
* **Customizable Packages:** BOP is a package built for small businesses. In addition to general liability and property coverage, Authentic provides optional add-ons such as workers' compensation insurance, professional liability coverage, and franchise coverage. This flexibility ensures that your policy is precisely aligned with your business's unique demands.

### **Key Takeaway**

A BOP policy from Authentic serves as the Swiss army knife of small business insurance, providing a wide range of coverage options tailored to your specific needs. Depending on your selected policy, an Authentic BOP policy offers coverage for property damages, injuries on your premises, court and legal fees, business income interruptions, advertising mistakes, employee misrepresentation, inventory replacement, and more.

#### View our Coverage Options next, to learn more about our BOP offerin&#x67;**⤵️**
