Commercial / BOP

Michigan Business Owner's Policy (BOP)

A Business Owner's Policy (BOP) bundles the two coverages most Michigan small businesses need — general liability and commercial property — into one policy, usually for 10–20% less than buying them separately. It's the simplest, most cost-effective place for most small businesses to start.

What we do for business owners policy clients

• Bundle and save — we package GL, property, and business income together for a lower combined premium.
• Add what you need — workers comp, commercial auto, cyber, and professional liability layer on cleanly around the BOP.
• Eligibility review — not every business qualifies for a BOP — we check, and find the right alternative if not.
• Multi-carrier shopping — we compare BOP markets so you get the best bundle for your industry.

Businesses a BOP fits

Office-based businesses, retailers and shops, restaurants, light contractors, professional services, and many other small-to-midsize Michigan businesses that meet underwriting criteria. Higher-risk operations may need standalone policies instead — we'll tell you which.

What a BOP bundles

• General liability — third-party bodily injury, property damage, and advertising injury.
• Commercial property — your building, equipment, inventory, and furnishings.
• Business income — lost revenue and expenses while you recover from a covered loss.
• Often added — equipment breakdown, data/cyber, hired & non-owned auto.
• Bought separately — workers comp, commercial auto, and professional liability.

Common questions

What is a Business Owner's Policy?

A BOP bundles general liability, commercial property, and business income coverage into a single, lower-cost policy for eligible small and midsize businesses — typically 10–20% cheaper than buying each coverage on its own.

What does a BOP not cover?

A BOP doesn't include workers compensation, commercial auto, or professional liability — those are added separately. It also excludes flood and, usually, cyber unless you add it. We build the full stack around your BOP.

Is my business eligible for a BOP?

Many office, retail, restaurant, and light-contracting businesses qualify based on size, industry, and risk. Higher-hazard operations often need monoline policies instead. We check eligibility across carriers for you.

How much does a BOP cost in Michigan?

It depends on your industry, revenue, property values, and location — but bundling typically runs 10–20% less than separate policies. We shop multiple BOP markets to find your best price.