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Learn more about business owner’s policies with Nobile.

What is a business owner’s policy (BOP)?

A business owner's policy bundles three essential coverages into one: business liability, business property, and business interruption. Instead of buying each separately, a BOP packages them together.

BOPs are designed for small to mid-sized businesses and are one of the most common commercial policies we write. If you run a shop, office, restaurant, or service-based business, a BOP is usually a great starting point.

Finding the right coverage at the right price shouldn't be complicated. At Nobile, we make it easy to get coverage that works for you.

See more on business insurance with Nobile.

What’s covered with a BOP

Last updated April 2026 | Some information sourced from Progressive

A business owner's policy bundles three core coverages into one:

Business Liability

  • Covers third-party claims of bodily injury, property damage, and certain personal injury claims like slander, libel, and false advertising. If a customer slips and falls in your store or your work damages someone's property, this is the coverage that kicks in.

Business Property

  • Protects your building, equipment, inventory, furniture, and other business-owned property against events like fire, theft, vandalism, and wind damage.

Business Interruption

  • Helps replace lost income if a covered event forces your business to temporarily close. If a fire shuts down your restaurant for two months, this coverage helps keep the lights on while you rebuild.

Important to note: A BOP does not include workers' compensation insurance or commercial auto coverage, but we can write those separately for you. BOPs are specifically designed for smaller businesses, which generally means companies with 100 employees or fewer and revenues of $5 million or less.

Nobile loves businesses.

Commercial

  • Commercial Liability (Including E&O)
  • Workers' Compensation
  • Commercial Auto (Fleet)
  • Business Owner's Policy (BOP)*
  • Surety Bonds
  • Commercial Property
  • Business Interruption (Business Income)
  • Commercial Umbrella
  • Crime (Cyber, Employee Theft, Forgery)

*Businessowners Policies (BOPs) typically bundle Business Liability, Business Interruption, and Business Property coverage into one policy.

Explore our comprehensive commercial insurance offerings for businesses of all types. List may not include all of our commercial products.
Last updated April 2026

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BOP FAQs

  • If you own or operate a small to mid-sized business, a BOP is one of the best ways to protect it.

    While Massachusetts law doesn't require a BOP, most landlords, lenders, and clients will require proof of insurance before doing business with you.

  • BOP costs vary depending on your industry, location, property value, number of employees, and coverage limits. The best way to get an accurate number is to request a free quote. We’ll help you get great coverage.

    Get a free commercial quote here.

  • No. Workers' compensation is a separate policy and is required by Massachusetts law for all businesses with one or more employees. We can write your workers' comp alongside your BOP.

  • Most small to mid-sized businesses qualify for a BOP. If your business owns or rents a physical space, a BOP is worth looking into. This includes retailers, restaurants, contractors, cafes, dry cleaners, accountants, wholesalers, and more.

  • No. Business vehicles need to be covered under a separate commercial auto or fleet policy.

    If your business owns or operates vehicles, we can write a commercial auto or fleet policy alongside your BOP.

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