Business Owner’s Package (BOP)
Streamlined Coverage for Small Business Owners
A Business Owner’s Package (BOP) combines the essential policies most small businesses need—saving you money and simplifying your protection. It’s a smart, customizable way to cover your building, your assets, and your liability all in one place.
What Your BOP Can Include
Commercial Property Insurance
Covers damage to your building, office space, equipment, furniture, and inventory.
General Liability Insurance
Protects your business from claims of bodily injury, property damage, and personal injury like libel or slander.
Business Interruption Insurance
Replaces lost income and covers operating costs if your business is temporarily shut down after a covered event.
Cyber Liability (Optional)
Adds protection against data breaches, cyberattacks, and other digital threats.
Equipment Breakdown Coverage (Optional)
Pays for repairs or replacement when key systems like HVAC or machinery fail unexpectedly.
Hired & Non-Owned Auto Liability (Optional)
Covers vehicles your business doesn’t own but uses for work—like employee cars or rentals.
Built for the Way West Texas Businesses Operate
One policy, tailored to your day-to-day reality
Business owners in West Texas wear a lot of hats—especially in smaller towns where you may be the manager, bookkeeper, and maintenance crew all in one. A BOP helps simplify your insurance by combining key protections into a single, customizable policy. Whether you own a boutique on Main Street, a small service company in Abernathy, or a growing office in Lubbock, your business deserves coverage that’s clear, cost-effective, and built to respond to local risks. From windstorms to theft to customer liability claims, we’ll help you build a package that makes sense for your business—and adjust it as you grow.
Frequently Asked Questions
What types of businesses qualify for a BOP?
BOPs are designed for small to mid-sized businesses that operate from a physical location, whether owned or leased. Retail stores, offices, restaurants, service businesses, and professional firms are all eligible. If you’re not sure your business qualifies, we’ll review your setup and help you find the right fit. Many West Texas small businesses benefit from this kind of bundled coverage.
How is a BOP different from buying policies separately?
A BOP combines multiple coverages—property, general liability, and business interruption—into one policy at a lower cost than buying them individually. It also reduces paperwork, simplifies billing, and helps prevent coverage gaps. Optional add-ons let you tailor the policy to your industry. It’s an efficient and affordable way to get broad protection.
How much does a BOP cost in Texas?
Most BOPs for small businesses in Texas range from $500 to $2,500 per year depending on your location, size, payroll, and industry. For example, a small retail shop might pay around $1,000 annually for solid baseline protection. We’ll review your exposure and help you customize a package that balances risk and affordability.
Can I add coverage to a BOP as my business grows?
Yes, BOPs are designed to grow with your business. You can add optional coverages like cyber liability, commercial auto, or employment practices liability as needed. As your inventory, team, or services expand, we’ll adjust your coverage accordingly. Regular reviews ensure you’re never under- or overinsured.
Does a BOP include workers compensation or commercial auto insurance?
No, these coverages are not part of a standard BOP and need to be purchased separately. However, we can bundle them into a larger business insurance plan for full protection. We’ll walk you through what’s included, what’s optional, and how to keep everything coordinated. It’s one less thing for you to manage on your own.
