Business Owners Policy (BOP) Cost Calculator (2026)
A BOP bundles property, general liability, and business interruption into one policy at 10-25% less cost than buying each separately. Most small businesses with revenue under $5M qualify.
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A Business Owners Policy (BOP) bundles three core small-business coverages — property, general liability, and business interruption — into one policy at 10-25% less cost than buying separately. Most small businesses with revenue under $5M-$10M, fewer than 100 employees, and single-location operations qualify. Average 2026 BOP cost runs $500-$5,000/year depending on industry and revenue.
What's Included In A BOP
Property: building (if owned) + business personal property (inventory, equipment, furniture). General liability: bodily injury and property damage to third parties. Standard limits $1M per occurrence / $2M aggregate. Business interruption: lost revenue while operations are halted after a covered loss, typically up to 12 months. The bundle discount makes a BOP almost always cheaper than equivalent standalone coverages.
What's NOT Included
Five common gaps. (1) Workers comp — mandated by state law for 1+ employees in nearly every state. (2) Professional liability / E&O — needed if you give advice or perform a service. (3) Cyber liability — if you store customer data, payment info, or PHI. (4) Commercial auto — personal auto excludes business use. (5) Employment practices liability — covers discrimination, wrongful termination, harassment lawsuits. Build a true small-business insurance stack from BOP + workers comp + cyber + (E&O if professional) + commercial auto (if vehicles).
Last updated May 2026. Sources: III Small Business Insurance.