Business Owners Policy Insurance for Small Business

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Easy-to-Understand Policies

Business Owner’s Policy

A business owners policy, or BOP, is a type of insurance policy that offers protection for business owners against a variety of risks tailored to your unique business. This type of policy can cover things like property damage, business interruption, liability claims, and more.

Personalized Insurance for Small Business

CTG Insurance understands small business insurance because we are a small business. We have you covered with a BOP so you can focus on serving your customers.

Personalized insurance solutions that meet your business’s unique needs.

Budget-conscious coverage that won’t break the bank.
Dedicated customer service every step of the way.
Decades of experience specializing in property and liability insurance solutions.


Ask the experts. We’re here to answer your small business insurance related questions.
The answer to this question depends on the specific needs of your business. Some business owners might find that a BOP is the best solution for their needs, while others might need a more tailored type of insurance policy.
The cost of a business owners policy will vary depending on a number of factors, including the size and type of business, the location of the business, and the amount of coverage you need. Generally speaking, business owners policies are more affordable, easier to quote, and easier to purchase than other types of business insurance.
Covered: Generally, a BOP covers property insurance for buildings and personal property owned or leased by your business, business interruption insurance which covers loss of income from a fire and other disruption to your operations, and liability protection for legal responsibilities. Not Covered: BOP’s do not provide coverage for professional liability, auto insurance or workers’ compensation. You will need to have separate policies to cover your professional services, your employees and vehicles.
Most small businesses will be eligible for a business owners policy. However, there are some business types that are not typically covered by a BOP, such as business that deals with hazardous materials or that have a high risk of liability claims. If you’re not sure whether you’re eligible for a BOP, the best way to find out is to speak with an insurance agent.

Be Prepared For Any Scenario.

You don’t want to be caught off guard by unpredictable circumstances. Protect your small business with a Business Owner’s Policy, so you can focus on serving your customers.


If there was a fire that damaged your building, causing your small business to shut down for several weeks. A BOP covers the repair and replacement costs associated with property damage and provides compensation for lost income.

Theft and Vandalism

If your space is burglarized and valuable equipment is stolen or damaged, a BOP will cover the cost of the stolen property and any loss of income during the recovery time.

A Slip and Fall Accident Lawsuit

If someone is injured on your property, you could be sued and held responsible for medical bills and serious injuries. Your BOP covers medical bills, attorney's fees, court-ordered judgments, and settlements.

Find the Right Business Owner’s Policy

We understand the challenging process of determining the right coverage for your unique needs. Start a quote and our team of experts will reach out to finish the discovery process and present you with a comprehensive quote quickly.
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