What is Business Owners Insurance?
This type of coverage, also called business owners insurance or a business owners policy (BOP), is a simplified approach to commercial insurance for small businesses. By combining general liability insurance and commercial property insurance, along with other coverages, you could benefit in several ways:
Your Coverage is Broader
Managing Your Policy is a Breeze
You Could Save Money
What Does Business Owners Insurance Include?
Business Owners insurance is designed for all the risks below. And, if you need a Certificate of Insurance, you can get a COI in minutes online.
General Liability Insurance Typically Covers:
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Property Damage.
- When customer property is damaged by an employee, your coverage may help pay for repairs or replacement.
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Bodily Injury
- If someone other than an employee is injured on your property, this coverage can help with medical expenses plus legal expenses and damages.
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Product Liability
- If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.
Property Insurance Typically Covers:
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- When customer property is damaged by an employee, your coverage may help pay for repairs or replacement.
Why biBerk for Business Owners Insurance?
We’re the experts when it comes to business owners insurance for small businesses.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2025.