One Policy. Two Coverages. Built for Businesses Your Size.
A business owner policy bundles general liability and commercial property insurance into a single package — at a lower combined premium than buying each separately. If you run a small or mid-size business in Hocking County and you've been putting off commercial coverage because the cost felt out of reach, a BOP is likely the place to start.
Whether you own a storefront on Main Street in Logan, run a trades operation out of a small office, or provide professional services to local clients, a BOP is designed for operations exactly like yours. We'll review your business type, revenue, and day-to-day operations to confirm whether a BOP is the right fit — or whether individual commercial lines would serve you better.
What a Business Owner Policy Actually Covers
General Liability Coverage
General liability covers bodily injury and property damage claims that arise from your business operations — a customer who slips in your office, damage to a client's property during a job, or a lawsuit alleging your product or service caused harm. For most small businesses, this is the non-negotiable foundation of commercial coverage.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Commercial Property Coverage
Commercial property covers your physical business assets: your building if you own it, your equipment, your inventory, and your furnishings. If a fire, storm, or theft disrupts your operation, this coverage helps you recover without absorbing the full financial hit yourself.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Business Interruption Coverage
Most BOPs also include business interruption coverage, which replaces lost income when a covered event forces you to temporarily close or reduce operations. For a small business operating on tight margins, this component can be the difference between surviving a setback and not.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Optional Endorsements
Depending on your carrier and business type, a BOP can often be extended with endorsements for professional liability, data breach coverage, hired and non-owned auto, and more. We'll help you identify which additions make sense for your specific operation — and which ones you don't need to pay for.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Do You Qualify for a Business Owner Policy?
BOPs are designed for small-to-medium businesses that meet certain eligibility criteria. Carriers typically look at your business size, revenue, industry type, and physical footprint. Most businesses that qualify share a few common characteristics:
- Fewer than 100 employees, though thresholds vary by carrier
- Annual revenue generally under $5 million
- A physical location that is not classified as high-hazard
- Operations that fall within standard commercial categories — retail, professional services, light contracting, food service, and similar
High-hazard industries, businesses with complex multi-location operations, or those with significant product liability exposure may be better served by individual commercial lines rather than a BOP. That's not a disqualification — it's just a different starting point, and we'll tell you plainly which direction fits your situation.
Who We Typically Write BOPs For in Hocking County
We work with a wide range of small business owners across Logan and the surrounding area. The businesses that tend to be the strongest fit for a BOP include:
- Contractors and trades businesses operating out of a physical office or shop
- Retail storefronts and boutique businesses in downtown Logan and surrounding communities
- Professional services offices — accountants, consultants, real estate professionals, and similar
- Restaurants and food service operations looking for a starting point before adding liquor liability or other specialty coverages
- Property managers and small landlords with commercial real estate exposure
If your business doesn't fit neatly into one of these categories, that's fine. We write business insurance across a wide range of industries and can help you figure out the right structure regardless of what you do.
Why Bundle Instead of Buy Separately?
The financial case for a BOP comes down to how carriers price bundled coverage versus standalone policies. When general liability and commercial property are purchased individually, each policy carries its own administrative costs and underwriting margin. A BOP combines them under a single underwriting review, and carriers pass a portion of those savings along in the form of a lower combined premium.
For a small business owner who needs both coverages — and most do — a BOP is almost always the more cost-effective path. You get the same core protections for less, with the added convenience of a single policy, a single renewal date, and a single point of contact when you need to make a change or file a claim.
Common Questions About Business Owner Policies
What is the difference between a BOP and a general commercial policy?
A BOP is a packaged product that combines general liability and commercial property into one policy at a bundled rate. A general commercial policy typically refers to standalone general liability coverage purchased on its own. The BOP is usually the better value for qualifying small businesses because it provides broader protection at a lower combined cost than buying each coverage separately.Who qualifies for a business owner policy?
Most small-to-medium businesses qualify — generally those with fewer than 100 employees, annual revenue under $5 million, and operations that fall within standard commercial categories. High-hazard industries and businesses with complex risk profiles may not qualify, but we'll review your situation and tell you clearly whether a BOP fits or whether individual commercial lines are a better match.Can I add workers' compensation to a BOP?
Workers' compensation is a separate policy and cannot be bundled into a BOP — it is governed by state law and must be purchased independently. However, we can help you coordinate both coverages so your business is fully protected. Many of our small business clients carry a BOP alongside a workers' comp policy written through one of our carrier partners.What does a business owner policy not cover?
A BOP does not cover professional liability (errors and omissions), commercial auto, workers' compensation, or employment practices liability. These are separate coverages that may be added as standalone policies depending on your business needs. Some BOPs can be endorsed to include professional liability or cyber coverage — we'll walk you through what's available from the carriers we represent.Is a BOP right for a home-based business?
It depends on how the business operates. If your business is genuinely home-based with minimal client interaction and no separate commercial space, a home-based business endorsement on your homeowners policy may be sufficient. If you've grown beyond that — seeing clients regularly, storing significant inventory, or employing others — a BOP is likely the appropriate next step. We can help you assess where you fall.
Get the Right Business Coverage in Place
A BOP is one of the most straightforward ways to get meaningful commercial coverage in place without overcomplicating your insurance program. We've been helping Hocking County business owners find the right starting point since 1959, and we work with seven carriers to make sure we're matching you to a policy that actually fits — not just the one that's easiest to write.
Call us at 740-385-8575, stop by our office at 53 S. Market St. in Logan, or request a quote online and we'll be in touch.