Bundled Protection for Your Business
A Business Owners Policy (BOP) combines general liability and commercial property insurance into one convenient, cost-effective package. It's a popular choice for small to mid-sized businesses in Southern Illinois that need broad coverage without paying for extras they don’t need. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Choose a BOP?
With a BOP, you get the foundational coverage most businesses require—all in one policy. It’s flexible, easy to manage, and tailored to the needs of local businesses in Marion, Herrin, Carterville, and beyond. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
How We Customize Your BOP
Not all businesses face the same risks. We help you build a BOP that fits your industry and your operations—nothing more, nothing less.
What We Look At
Understand Your Risk Profile
We evaluate your business location, building, equipment, and daily operations.
Match You with Trusted Carriers
As an independent agency, we quote BOPs from multiple companies to find the right fit.
Explain What’s Included
We’ll help you understand what your BOP covers—and what it doesn’t—so there are no surprises.
BOP FAQs
Does a BOP include workers' compensation?
No. A BOP does not include workers’ comp, but we can bundle it with a separate policy.
Can I add coverage for equipment breakdown?
Yes. BOPs can be customized with endorsements for equipment, cyber threats, and more.
Is a BOP required by law?
No, but landlords, lenders, or contracts may require liability and property coverage.
What kinds of businesses typically use BOPs?
Retail shops, offices, restaurants, and service providers often benefit from bundled coverage.