Business owner's policy: core protection in one package
A BOP bundles property, general liability and business interruption into a single policy for small and mid-sized businesses in Washington and Oregon. One policy, one premium, often 15–20% less than buying each coverage separately.
A-rated carriers · Same-day certificates · Flexible payment plans
Essential coverages, bundled
Instead of buying separate property, liability and business-interruption policies, a business owner's policy bundles them together, often saving 15–20% versus purchasing each coverage individually.
We've placed BOPs for Pacific Northwest businesses since 1992, from retail shops and restaurants to professional offices and service contractors. Learn more from the U.S. Small Business Administration.
Why a business owner's policy matters
Three illustrative scenarios, and how a properly structured BOP responds to each.
A grease fire closes a restaurant for weeks
A grease fire breaks out in a restaurant kitchen after closing. The suppression system activates but significant damage occurs, and the business is closed for six weeks during repairs.
- Building repairs$125,000
- Equipment replacement$68,000
- Lost income (6 weeks)$72,000
- Extra expenses$22,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
What bundling can save
Because a BOP packages property, liability and business interruption with one carrier, the combined premium is typically lower than the three bought separately, often by 15–20%. Actual savings depend on your business, the carrier and the coverage. We'll show you the bundled and separate options side by side when we quote.
Build the right BOP for your business
Every BOP starts with business property, general liability and business interruption. Tell us how you operate and we'll show the enhancements that typically apply. A starting point for your quote; no contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Business PropertyBuilding, equipment, inventory and fixtures.
- General LiabilityCustomer injury and property-damage claims.
- Business InterruptionLost income if you must close.
- Equipment BreakdownHVAC, refrigeration and computer failures.
- Crime CoverageEmployee theft, robbery and burglary.
- Electronic DataRestore lost records and software.
- Cyber Liability EnhancementBreach notification and credit monitoring.
- Outdoor Signs & PropertySigns, fences and outdoor fixtures.
From first call to certificate
Understand your business
What you do and what you own: your space, equipment, inventory, revenue, foot traffic, premises exposures, contract requirements and prior claims, so the package fits your real exposures.
Match to the right carrier
We approach A-rated carriers that specialize in your industry, such as Hartford, Travelers, CNA and EMC, including restaurant, office and contractor programs and competitive rates for good loss history.
Bundle the coverage
Business property, general liability and business interruption at the core, with equipment breakdown, crime, cyber, electronic data, spoilage, outdoor signs, receivables and valuable papers added as needed.
Certificates and claims
Same-day certificates for leases, contracts and licenses, annual policy reviews as your business grows, easy add-ons, and claims support from first notice.
Every protection bundled into one package
Filter by type or search to see the coverages and enhancements a BOP can include.
Business Property
Your building (if owned), furniture, fixtures, equipment, inventory and supplies against fire, theft, vandalism and other covered perils.
Equipment Breakdown
Repair or replacement when essential equipment fails: HVAC systems, refrigeration units, computers and electrical systems.
Outdoor Signs & Property
Business signs, fences and outdoor fixtures that may not be covered under standard property forms.
Spoilage Coverage
Essential for restaurants and grocers: loss of perishable goods due to equipment breakdown or power failure.
General Liability
Bodily injury, property damage and personal/advertising-injury claims from customers, vendors or others.
Hired & Non-Owned Auto
Liability coverage when employees use personal vehicles for business or you rent vehicles.
Business Interruption
Replaces lost income and pays ongoing expenses when a covered loss forces you to close, including extra expense for temporary relocation.
Accounts Receivable
Protection if your records are destroyed and you can't collect money owed to you by customers.
Valuable Papers
The cost to reconstruct important business documents, contracts and records if they're damaged or destroyed.
Crime Coverage
Employee theft, forgery, robbery and burglary, including money and securities on premises and in transit.
Electronic Data
The cost to restore or replace computer records and software lost due to a covered cause of loss.
Cyber Liability Enhancement
Optional coverage for data breaches and cyber attacks: notification, credit monitoring and regulatory-defense costs.
BOP coverage for Pacific Northwest businesses
Packages matched to carriers that specialize in your industry.
Restaurants & cafes
Full-service, fast-casual, coffee shops and food-service operations.
Retail stores
Boutiques, specialty shops, convenience stores and retail chains.
Professional offices
Accountants, consultants, agencies and business services.
Service contractors
HVAC, plumbing, electrical and maintenance services.
Salons & spas
Hair salons, barbershops, day spas and beauty services.
Medical & dental
Clinics, dental offices, therapy practices and wellness centers.
Fitness & recreation
Gyms, yoga studios, martial arts and sports facilities.
Light manufacturing
Workshops, fabrication, assembly and production facilities.
Auto services & repair
Repair shops, detailers, tire and service centers.
Brokers who understand small business
Bundling and industry fit
As a broker, we compare BOP options across carriers that specialize in your industry and shape the package around how you operate.
Same-day certificates and claims support
Proof of insurance for a lease, contract or license the day you request it, and help working through a claim to get you back up and running.
Annual reviews and room to grow
We review your coverage each year and add workers' comp, commercial auto, professional liability and umbrella coverage as your needs expand.
Get your business owner's policy quote
A no-obligation BOP quote with bundled coverage, competitive rates and same-day certificates. Or email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder; the coverage builder is a starting point for discussion, not a quote, and savings vary by business, carrier and coverage. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.