What Is a Business Owners Policy (BOP)?
A Business Owners Policy, or BOP, is a convenient insurance bundle built for small and mid-sized businesses. It combines essential coverages-like General Liability and Commercial Property-into a single, easy-to-manage policy, often at a cost savings. Whether you run a boutique on Foothill Blvd, an office, or a local restaurant, a BOP lays the foundation for protecting your space, assets, and operations.
What Does a BOP Cover?
Property Coverage
Protects your building (if you own it), equipment, inventory, and contents from fire, theft, vandalism, and other perils.
General Liability
Covers claims for customer injuries or property damage related to your business activities.
Business Interruption
Reimburses lost income and ongoing expenses if a covered property loss (like fire) forces you to temporarily close.
Optional Add-Ons
Equipment breakdown, cyber coverage, or endorsements for special risks-tailored to your business needs.
A BOP covers the backbone of your business-so you don't have to piece policies together or worry about gaps.
Who Qualifies for a BOP?
BOPs are designed for small to mid-sized businesses-typically those with fewer than 100 employees and moderate revenue. They're ideal for:

- Retail stores and boutiques
- Offices and service businesses
- Restaurants and cafes
- Many other local shops
If your business is larger or has specialized risks, Shaver Insurance will build a custom insurance package for you.
Why Choose a BOP? Simplicity & Savings
Cost-Effective
Bundling coverages in a BOP often saves 10-15% versus buying separate policies.
Easy to Manage
One policy, one bill, one renewal date-less paperwork, less hassle.
Streamlined Claims
If something happens, you deal with one policy and one agency. Fast answers, no confusion.
Local Coverage for Local Businesses
From boutiques in Fontana to cafes in downtown Riverside, Shaver Insurance has set up BOPs for countless Inland Empire businesses. We know what local business owners need-whether it's protecting inventory, equipment, or simply having proof of insurance for your lease.
Ready to Protect and Simplify? Let's Find Your BOP Solution
Wondering if a BOP is right for your business? We'll review your needs, check eligibility, and quote a policy that keeps things simple-and your budget intact.
