Professional Services Insurance
Business Owners Package (BOP) Insurance
for Professional Services
A Business Owners Package bundles general liability, commercial property, and business interruption into a single, cost-effective policy. For professional service firms with a physical office, a BOP provides comprehensive baseline protection at a lower premium than purchasing coverages separately.
Industry-Specific Insight
Why Professional Services Businesses Need Business Owners Package (BOP) Insurance
A Business Owners Package bundles general liability, commercial property, and business interruption into a single, cost-effective policy. For professional service firms with a physical office, a BOP provides comprehensive baseline protection at a lower premium than purchasing coverages separately.
Coverage Details
What Business Owners Package (BOP) Insurance Covers
Key protections included in a business owners package (bop) policy for professional services operations.
FAQs
Common Questions from Professional Services Businesses
What does a BOP include for a professional services firm?
A typical BOP includes general liability (premises and operations), commercial property (building or tenant improvements, furniture, equipment), and business interruption coverage.
Can I add E&O coverage to a BOP?
Not typically — E&O is usually purchased separately or through a specialty professional liability carrier. However, a BOP and E&O policy work together to provide comprehensive coverage.
What types of businesses qualify for a BOP?
BOPs are typically available for small to mid-size businesses with a limited number of locations, moderate revenue, and relatively standard risk profiles. Contractors, manufacturers, and higher-hazard industries may need separate policies. A licensed agent can confirm whether a BOP is right for your business type.
Does a BOP include workers compensation?
No — workers compensation is always a separate policy. A BOP covers third-party claims and your business property, but injuries to your employees require a dedicated workers comp policy.
Complete Coverage
Other Coverages Professional Services Businesses Commonly Need
A complete protection plan for professional services operations typically includes several complementary coverages.
Professional Services · Business Owners Package (BOP)
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