Business Owner Policy (BOP) Insurance

A Business Owner Policy (BOP) combines essential coverages into one convenient and cost-effective insurance solution designed for business owners and property investors. It helps protect your business, building, and income from common risks—all under a single policy.

What a Business Owner Policy Covers

A BOP typically includes:

• Commercial Property Insurance
  Helps protect buildings, tenant improvements, equipment, and business personal property from covered losses such as fire, theft, vandalism, and certain weather events.

• General Liability Insurance
  Covers bodily injury, property damage, and personal injury claims that may arise from your business operations or premises.

• Business Income & Extra Expense Coverage
  Helps replace lost income and cover ongoing expenses if your business operations are interrupted due to a covered loss.

Coverage can often be customized with additional options depending on your business type and property use.

Coverage for Investor & Commercial Properties

A Business Owner Policy can be tailored to meet the needs of many types of investment and commercial properties, including:

• Mixed-Use Buildings
  Properties with both residential and commercial units, such as retail on the ground floor with apartments above.

• Hotels & Motels
  Coverage designed to address lodging risks, including property protection and liability exposures related to guests.

• Retail Properties
  Protection for storefronts, inventory, fixtures, and liability risks from customer foot traffic.

• Commercial Buildings
  Office buildings, warehouses, and other income-producing commercial properties.

Whether you occupy the property yourself or lease space to tenants, a BOP can be structured to reflect how the property is used and the risks involved.

Why Choose Insured Me Direct?

At Insured Me Direct, we don’t rely on just one insurance company. We work with over 60 insurance markets, allowing us to:

• Compare multiple carriers on your behalf

• Find competitive pricing and coverage options

• Match your business or property with carriers that specialize in your industry

• Help you avoid paying for coverage you don’t need

Our goal is to help you secure the right protection at a rate that makes sense—without the hassle of shopping it yourself.