Business Owners Policy (BOP)  Simple, Complete Coverage for California Businesses

A Business Owners Policy (BOP) bundles general liability and commercial property coverage into one affordable, easy-to-manage package. It’s designed for busy business owners who want comprehensive protection without juggling multiple policies. With a BOP, you get essential safeguards against lawsuits, property damage, and income loss after a covered event all with one premium and one renewal.

All-in-One Insurance for Small and Mid-Sized Businesses

Man and woman looking at paperwork in a warehouse setting, surrounded by boxes on shelves.

Protection That Goes Beyond the Basics

General Liability

Covers claims for customer injuries, third-party property damage, and legal costs. Ideal for retail shops, offices, and restaurants.

Commercial Property

Pays for repairs or replacement if your building, equipment, or inventory is damaged by fire, theft, or certain disasters.  Special form coverage is also available that covers anything not excluded and is a much broader option.

Business Interruption

Helps cover lost income and ongoing expenses if your business has to close temporarily after a covered loss, so you can recover without missing payroll or bills.

BOPs are often enhanced with add-ons like Equipment Breakdown, Outdoor Sign coverage, or Employee Practices Liability (EPLI) for even more protection. Miller United helps tailor your BOP to your specific business needs.

Is a Business Owners Policy Right for Your Company?

BOPs are built for small to medium-sized businesses like retail stores, restaurants, offices, and small manufacturers. BOP's usually require certain revenue, size, and risk criteria. They’re especially cost-effective for companies that own or lease property and want a simple, streamlined insurance solution. If your business is very large or high-risk, you might need specialized standalone policies instead.

Affordable Bundled Protection, Designed to Save

Bundling coverages usually brings 10–15% savings compared to separate policies. For example, a typical small retail business in California might pay $500–$1,200 per year for a BOP. Your premium depends on factors like location, industry, building value, and coverage limits. Miller United compares BOP options from our carrier network to find the right fit for your needs and budget.

Get the Right Policy Without the Hassle

When you request a quote, we’ll quickly determine if your business qualifies for a BOP and if it’s the best solution. If so, we’ll shop the market for the best package; if not, we’ll build a custom plan to fully protect you. Our team explains all options in plain language and manages every detail from application to claims.

One Policy, Big Peace of Mind | Request a BOP Quote Today

Take the guesswork out of business insurance. Let Miller United package your coverage, save you money, and handle the details so you can focus on growing your business.