Business Owners Policy

The Smart Start for Small Business

One Policy, All the Protection

A Business Owners Policy (BOP) is the foundation of insurance for many small businesses across Pennsylvania and New Jersey. Whether you run a retail shop in Easton or a contractor business in Norristown, a BOP combines key protections like property insurance, general liability, and business interruption into a single policy. It’s streamlined coverage that helps protect what you’ve built—without overcomplicating things.

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What’s Included in a BOP

Core protection every Pennsylvania business needs.

General Liability Insurance

Covers third-party claims for injuries, property damage, or advertising harm—ideal for businesses with foot traffic or client interaction.

Commercial Property Insurance

Protects your business building, inventory, equipment, and furnishings from fire, theft, vandalism, and more.

Business Interruption Insurance

Replaces lost income when covered events force a temporary closure—keeping your business afloat during recovery.

Equipment Breakdown

Optional coverage for repairing or replacing essential machines or systems, like HVAC or refrigeration.

Crime Insurance

Protection against internal theft, employee dishonesty, forgery, or burglary—especially valuable for cash-handling businesses.

Why Pennsylvania Businesses Choose a BOP

Smart, efficient insurance that fits your needs and budget.

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Bundle and Save

By packaging your core business coverages together, you get broader protection at a better rate than buying them individually.

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Custom Fit by Industry

Whether you’re a cafe owner in Easton, a painter in Norristown, or a service-based pro anywhere in PA, we tailor your coverage to your actual day-to-day risks.

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Simplified Management

One policy, one renewal date, one clear point of contact. We make your small business insurance easy to handle.

Real questions we hear from real Pennsylvania clients.

  • Is a Business Owners Policy right for my business?

    A BOP is perfect for small to mid-sized businesses with physical locations, client interaction, or property to protect. It’s common among retailers, contractors, and service providers in Easton, Norristown, and beyond. We’ll help you decide if bundling is the right move based on your size, revenue, and risk.

  • How much does a BOP cost in Pennsylvania?

    Pricing varies based on your industry, business property, and coverage needs. That said, a Business Owners Policy in Pennsylvania is one of the most affordable ways to secure foundational coverage. We’ll compare carriers to find the best value for your unique setup.

  • Can I add other coverages like workers’ comp or auto?

    Not directly into a BOP, but we can build a broader protection package. We often pair workers’ compensation and commercial auto insurance with a BOP for full coverage without gaps.

  • Does a BOP include cyber liability?

    Not by default—but it can. We can add cyber liability coverage as an endorsement if your business handles sensitive customer data or online payments.

  • What are the benefits of bundling with a BOP?

    You’ll save money, reduce paperwork, and get comprehensive protection under one policy. We make sure your BOP includes what your business in PA or NJ truly needs—without the fluff.