Two Essential Coverages, One Affordable Policy
A Business Owners Policy, commonly called a BOP, combines the core commercial coverages most small and medium-sized businesses need into a single, bundled policy. Bundling typically saves money compared to purchasing each coverage separately.
What Does a BOP Cover?
A standard BOP includes:
- Commercial property — covers your building, equipment, inventory, and furniture
- General liability — covers bodily injury and property damage claims against your business
- Business income — replaces lost revenue if a covered event forces you to temporarily close
Optional enhancements often available:
- Equipment breakdown — repairs or replaces equipment that fails due to mechanical or electrical breakdown
- Professional liability — covers errors and omissions in your professional services
- Products and completed operations — protects against claims arising from products you sell or work you’ve completed
- Fire legal liability — covers fire damage to property you lease
- Premises liability — broader coverage for injuries occurring on your property
Do Washington Businesses Need a BOP?
Washington State doesn’t require most businesses to carry property or liability insurance, but that doesn’t mean you shouldn’t have it. If you own assets, have customers or clients on-site, or could face a lawsuit, a BOP is one of the smartest investments you can make.
Get a Free Quote
Call (206) 402-6793 or fill out the form for a customized BOP quote tailored to your business.
Frequently Asked Questions
What is a business owners policy (BOP)?
A BOP bundles the core coverages most small businesses need — general liability and commercial property — into one convenient, cost-effective package, and it often includes business interruption coverage. It is usually a better value than buying each piece separately.
What does a BOP not cover?
A BOP does not include workers’ compensation, commercial auto, or professional liability — those are separate policies. We help you identify which additional coverages your business needs so there are no surprises at claim time.
Does Washington require business insurance?
Washington requires most businesses with employees to carry workers’ compensation through L&I, and many landlords, lenders, and clients require proof of liability coverage before they will work with you. A BOP is a common way to satisfy those liability requirements.
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers, not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.