Business Owner's Policy (BOP)
A Business Owner's Policy (BOP) is a package policy that bundles general liability, commercial property, and business income insurance into one policy, typically at a lower cost than buying each separately.
What You Need to Know
BOPs are designed for small to medium-sized restaurants and include the three most essential coverages in one convenient package, with one premium and one renewal date.
They bundle general liability (protection from customer injury and property damage claims), commercial property (protection for your building and contents), and business income insurance (lost profits and ongoing expenses during a covered closure) into a single policy instead of three separate ones.
Why It Matters for Restaurant Owners
BOPs simplify insurance purchasing and usually cost 20-30% less than buying each policy separately. They're ideal for restaurants with straightforward operations in low-risk locations.
However, BOPs may not include specialized coverages like liquor liability, equipment breakdown, or employment practices liability — you'll need to add those separately. Once you grow beyond a certain size or complexity, individual policies may provide better customization than a packaged BOP.
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