Business Owner’s Policy (BOP)

For Individuals and Families in TX, CA, OK, AR, TN and AZ
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Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) bundles essential coverage into one convenient, cost-effective package—perfect for small and mid-sized businesses. At Affluence Insurance Services, we customize your BOP to meet the unique risks of your industry, so you’re protected where it matters most, without overpaying for what you don’t need.

What's Covered

A BOP typically includes:

  • General Liability Insurance

    Covers third-party injuries, property damage, and related legal expenses.

  • Commercial Property Insurance

    Protects your building (owned or leased), equipment, and inventory from fire, theft, and other covered losses.

  • Business Interruption Insurance

    Reimburses lost income and operating expenses if a covered event forces your business to close temporarily.

  • Customizable Add-Ons

    Depending on your needs, we can include data breach, equipment breakdown, and more.

Insure with Affluence

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Efficient, Affordable Coverage

Bundle essential policies and save compared to buying each separately.

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Custom Fit for Your Industry

From retail to consulting, we’ll tailor your BOP to your specific risks and operations.

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Flexible Options

Add coverage as your business grows or your risks evolve.

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One Trusted Advisor

Work with a dedicated agent who understands your business, not just your premiums.

Frequently Asked Questions

  • Is a BOP right for my business?

    If you have a physical location, own business assets, or face customer liability risks, a BOP may be ideal. We’ll help you assess fit and customize accordingly.

  • What’s not included in a BOP?

    Workers comp, professional liability, and auto insurance are not typically included—but we can help bundle those alongside your BOP for full protection.

  • Can I change my policy later?

    Absolutely. We’ll review your needs regularly and adjust coverage as your business grows or shifts.

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Get a Quote

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Protect Your Business—Without Overcomplicating It

Let Affluence Insurance Services help you simplify your insurance and strengthen your foundation with a customized BOP.