What is a Business Owners Policy (BOP)?

A BOP is a packaged insurance policy that combines commercial property coverage and general liability coverage into a single policy for small businesses. It's typically less expensive than buying property and liability separately. Most BOPs also include business interruption coverage.

Which Florida businesses qualify for a BOP?

BOPs are typically designed for small to mid-sized Florida businesses: retail stores, professional services, restaurants, contractors, offices, and similar. Businesses with under $10M in revenue and fewer than 100 employees are usually a fit. Heavier-risk operations (manufacturing, certain contractors) typically need a Commercial Package Policy (CPP) instead.

How do I quote a Florida BOP?

Call 941-952-7991 with your business name, industry, annual revenue, employee count, and property details. We'll have a BOP quote ready within 1-2 business days.

Hendrickson Insurance

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Business Owners Policy. Commercial Lines

Florida Business Owners Policy,
packaged properly.

A Business Owners Policy (BOP) combines commercial property coverage and general liability into a single, cost-effective policy designed for Florida small and mid-sized businesses. Hendrickson Insurance writes BOPs for retail, professional services, restaurants, contractors, and offices across Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.

Call 941-952-7991 Schedule a Call

What a BOP Covers

Property + liability + business income, bundled.

Commercial Property

Building, contents, equipment, and inventory protection for your business location. Replacement cost coverage on a named-peril or special-form basis depending on the policy structure.

General Liability

Third-party bodily injury, property damage, and products liability coverage. Includes defense costs. Typically $1M/$2M limits standard, higher available.

Business Interruption

Lost income coverage if your Florida business has to close due to a covered loss. Usually 12 months of income replacement plus extra expense coverage to keep operations going.

Coming Soon

More detail on this page soon.

Expanded content covering BOP eligibility classes, monoline vs package decisions, additional endorsements (cyber, employment practices, equipment breakdown), and Florida-specific BOP underwriting considerations is coming. In the meantime, call 941-952-7991 for a quote.

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