Business Owners Policy (BOP) in Texas — One Plan, Big Protection for Small Business
The One-Stop Insurance Package for Small & Mid-Sized Businesses
A Business Owners Policy (BOP) bundles the most critical coverages your business needs—general liability, commercial property, and business interruption—into one convenient, affordable policy. It protects your building, equipment, inventory, and covers lawsuits, accidents, and disasters, often at a cost savings compared to buying these coverages separately.
BOP Core Features and Custom Options
Property Insurance
Covers your building (if you own it), contents, inventory, furniture, and equipment from fire, theft, vandalism, and more.
General Liability
Protects against lawsuits and claims if someone is injured on your premises or if your operations cause property damage to others.
Business Interruption
Pays lost income and extra expenses if you must temporarily close after a covered loss (like a fire or major storm).
Add-ons & Built-Ins:
- Equipment Breakdown
- Outdoor Signs
- Money and Securities
- Data Breach / Cyber Liability
- Hired/Non-Owned Auto Liability (for businesses using personal vehicles for work)
Your policy can be tailored with endorsements to fit your industry and risk profile.
Is a BOP Right for Your Business?
BOPs are designed for small to mid-sized, low-to-moderate risk businesses—think:
Retail shops and boutiques
Professional offices (law, accounting, consulting, etc.)
Cafés, restaurants (small)
Wholesalers and light manufacturers
Contractors (some)
If your business is larger or higher risk, we’ll help craft a custom solution.
Simplicity, Savings, and No Gaps
- One policy, one bill, broad protection—no administrative headaches
- Discounted pricing for bundling essential coverages
- Fewer gaps between policies, greater peace of mind
- Easy management and streamlined claims
Whether you run a boutique in Ballinger, a café in Abilene, or a small company anywhere in West Texas, a BOP keeps you protected and focused on growth.
Your BOP Insurance Questions, Answered
What is a BOP insurance policy?
A bundled insurance plan that combines property, liability, and business interruption coverages for small businesses.
BOP vs general liability—what’s the difference?
BOP includes general liability plus property and business interruption coverage, while a GL-only policy covers liability risks only.
How much does a business owners policy cost for a small business?
Premiums vary by business type and coverage, but BOPs are designed to be affordable—often less than the combined cost of stand-alone policies.
What types of businesses need a BOP?
Most small and mid-sized retail, office, and service businesses can benefit. We’ll help you determine the best fit.
Simplify, Save, and Safeguard—Request a BOP Quote Today
Get the protection your business needs, with the simplicity and savings you want. Contact Willingham Insurance Agency for a custom BOP quote or policy review.