Retail & Restaurants Insurance
Business Owners Package (BOP) Insurance
for Retail & Restaurants
A BOP combines general liability, commercial property, and business interruption into one affordable policy designed for small to mid-sized businesses. For restaurants and retailers, a BOP provides broad baseline protection — covering your equipment, inventory, and liability in one straightforward package.
Industry-Specific Insight
Why Retail & Restaurants Businesses Need Business Owners Package (BOP) Insurance
A BOP combines general liability, commercial property, and business interruption into one affordable policy designed for small to mid-sized businesses. For restaurants and retailers, a BOP provides broad baseline protection — covering your equipment, inventory, and liability in one straightforward package.
Coverage Details
What Business Owners Package (BOP) Insurance Covers
Key protections included in a business owners package (bop) policy for retail & restaurants operations.
FAQs
Common Questions from Retail & Restaurants Businesses
What does a BOP cover for a restaurant?
A restaurant BOP typically covers your building (if owned) or tenant improvements, kitchen equipment, furnishings, inventory, business income if you close due to a covered loss, and general liability.
Is liquor liability included in a BOP?
Not typically. Liquor liability is usually a separate policy or endorsement. We help you add it to your BOP or source it separately.
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 Retail & Restaurants Businesses Commonly Need
A complete protection plan for retail & restaurants operations typically includes several complementary coverages.
Retail & Restaurants · Business Owners Package (BOP)
Get Business Owners Package (BOP) Coverage for Your Retail & Restaurants Business
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