General Liability — third-party bodily injury, property damage, completed operations, personal/advertising injury. Standard $1M/$2M. Commercial Property — covers your business assets: building (if you own), inventory, equipment, computers, furniture. Theft, fire, vandalism, certain water damage. Business Income — if a covered loss forces you to close, BOP pays your lost income while you rebuild (typically 12 months).

Business Owner's Policy (BOP) in California — What's In It and Who Needs One

6 days ago
2 min read

A Business Owner's Policy (BOP) is a bundled commercial insurance product that combines three core coverages — General Liability, Commercial Property, and Business Income — into a single policy at a discount versus buying each separately. For most California small businesses with under $5M in revenue, a BOP is the right starting point. CoverToday is a Los Angeles-based independent broker writing BOPs across multiple specialty carriers since 2016, in English and Russian.

What's in a BOP

General Liability — third-party bodily injury, property damage, completed operations, personal/advertising injury. Standard $1M/$2M.
Commercial Property — covers your business assets: building (if you own), inventory, equipment, computers, furniture. Theft, fire, vandalism, certain water damage.
Business Income — if a covered loss forces you to close, BOP pays your lost income while you rebuild (typically 12 months).

What BOPs typically don't include (you add separately)

Workers' Compensation — required separately if you have employees.
Commercial Auto — separate policy for vehicles used in the business.
Professional Liability (E&O) — if you're in a service profession (consulting, design, accounting).
Cyber Liability — increasingly recommended for any business that handles customer data or processes payments online.

Who needs a BOP

BOPs are designed for small to mid-size businesses with under $5M in annual revenue and fewer than 100 employees. Most retailers, restaurants, contractors, professional offices, salons, auto repair shops, cleaning companies, and small manufacturers fit cleanly into BOP underwriting. If you're larger or in a high-risk industry (heavy manufacturing, oil and gas, etc.), you typically need a customized commercial package instead.

What it costs in California

A typical CA small business pays $600–$2,500/year for a BOP. Drivers of price: industry, gross revenue, square footage, claim history, deductible, and the dollar amount of property you insure. Buying GL + Property + Business Income as a bundled BOP usually saves 10–20% versus buying them separately.

How CoverToday writes BOPs

Multiple specialty BOP carriers — we don't quote a restaurant with a hardware store carrier. Each industry has carriers who underwrite it specifically.
Same-day binding when documentation is ready.
Bilingual service — large segment of small business clients are Russian-speaking. EN or RU.

Get a BOP quote today

Call or text 310-299-5555. Have your business address, industry/SIC code, square footage, gross revenue last 12 months, number of employees, and any prior claims ready. CoverToday Insurance Agency, LLC. CA License #0K77310.