What is a Business Owners Policy? (BOP)
A simple solution to protect your business from all sides.
A Business Owners Policy (BOP) combines the essential coverages many small businesses need—property, liability, and business interruption—into one affordable package.
It’s designed specifically for small to mid-sized businesses that want protection from common risks without the complexity of buying multiple policies.
Instead of juggling separate coverages, a BOP simplifies insurance with bundled protection—often at a lower total cost.
At Cherries Insurance, we help tailor your BOP with optional add-ons so your coverage matches your actual business needs.
What Does BOP Insurance Cover?
Built-in protections designed to keep your business running.
Property Insurance
Protects your physical business assets like buildings, furniture, equipment, and inventory against damage or loss due to fire, theft, vandalism, and certain natural events.
- Owned or leased building coverage
- Business personal property
- Equipment protection
- Inventory and stock
- Computers and electronics
Liability Protection
Covers legal and settlement costs if your business is found responsible for bodily injury, property damage, or advertising harm.
- General liability
- Legal defense fees
- Medical payments
- Product liability
- Advertising injury
Business Interruption
Replaces income and helps cover necessary expenses if your operations are paused due to a covered event.
- Lost revenue reimbursement
- Operating expenses
- Payroll coverage
- Temporary relocation costs
- Rent, lease, and mortgage support
Industries We Cover
Smart protection for a wide range of industries.