- For Texas small & mid-size businesses
- Bundled coverage at lower cost
Business Owners Policy (BOP)
Two essential coverages, one cost-effective package.
A Business Owners Policy bundles general liability and commercial property into one combined policy, usually at a lower cost than buying them separately — designed specifically for Texas small and mid-size businesses with typical exposures.
- General liability + commercial property in one package
- Often lower premium than separate policies
- Includes business interruption coverage in most forms
- Simpler to manage — one policy, one renewal, one bill
💼 Request your free BOP review
Tell us about your business — a Texas advisor reviews whether a BOP fits. No obligation.
Trusted by Texas businesses since 1983
BOP placements since 1983
One point of contact, year-round
Standard & specialty markets
Honest about when each fits
How a BOP works
Two policies. One package.
A BOP combines the two coverages most small businesses need into a single bundled policy — designed and priced for businesses that fit a standard risk profile.
General Liability
Third-party injury, property damage, and legal defense costs.
Commercial Property
Buildings, equipment, inventory, and business interruption.
BOP
One package, one renewal, often lower combined cost.
Most BOP forms also include business interruption coverage automatically — one of the most-overlooked protections small businesses need.
The honest answer
When a BOP fits — and when it doesn't.
Not every business should be on a BOP. Knowing where the bundle stops working is just as important as knowing when it does.
- BOP usually fits
You're a typical small business with standard exposures.
BOPs are designed for businesses that look like the carrier’s expected profile. If your business fits, you’ll likely get the best combination of coverage and price.
- Annual revenue typically under $5M – $10M
- Standard industries: retail, office, food service, light professional
- Owned or leased property with replaceable contents
- Limited specialized equipment or unusual liability exposure
- Routine business operations without complex multi-state risk
- You may have outgrown a BOP
Larger, complex, or specialized businesses often need standalone coverage.
As businesses grow or specialize, the BOP’s pre-built structure starts limiting what you can actually buy. At that point standalone GL and property — often with an umbrella on top — gives you more flexibility.
- Higher revenue, multiple locations, or interstate operations
- High-value or specialized equipment beyond BOP limits
- Industries with unusual liability profiles (manufacturing, heavy trades)
- Need for higher liability limits than BOPs typically offer
- Coverage requirements driven by large contracts or financing
Who BOPs work for
The industries we place most BOPs in.
BOPs are most common in industries with predictable exposures — businesses where the carrier’s pre-built bundle reflects how the business actually operates.
Retail & storefronts
Shops, boutiques, salons, and other businesses with foot traffic and inventory.
Restaurants & food service
Cafes, restaurants, and food-related businesses with kitchens and seating.
Professional offices
Accountants, consultants, advisors, and office-based service firms.
Healthcare & wellness
Small practices, clinics, wellness studios, and allied health offices.
Why work with Aimbest
An honest answer on whether a BOP fits.
Lots of agencies push BOPs because they’re easy to quote. We tell you when a BOP makes sense — and when it doesn’t. After 43+ years, we’ve seen plenty of businesses save with BOPs and plenty that outgrew them. We help you know which one you are.
We evaluate whether a BOP is actually the right structure for your business, not just the easiest quote.
BOP forms vary by carrier — we compare which one fits your industry and limits best.
When you outgrow a BOP, we transition you to standalone GL and property without losing coverage continuity.
"AimBest priced both options for our restaurant — a BOP and standalone — and walked us through why the BOP made sense for where we are today. No pressure, no upsell."
How it works
From first call to covered business — four steps.
Share your business details and current coverage. A licensed advisor follows up.
We price both BOP and standalone options so you can see the trade-offs.
Coverage, limits, and pricing in plain language — you choose what fits.
Bind your policy, get COIs, and keep a Texas advisor as your business grows.
Common questions
Business Owners Policies, answered.
What's the difference between a BOP and buying GL and property separately?
A BOP bundles general liability and commercial property into one package designed for small to mid-size businesses with standard risk profiles – typically at a lower combined cost than buying both policies separately. Standalone GL and property give you more flexibility on limits, endorsements, and carrier selection, which matters as your business grows or your exposures become more complex. We price both and show you which fits.
Is a BOP required in Texas?
No – neither a BOP nor any of its component coverages are legally required in Texas for most businesses. However, the underlying coverages a BOP provides (general liability and commercial property) are often required by your landlord, your clients, your vendors, or your contracts. A BOP is just one of the ways to satisfy those requirements.
Does a BOP include business interruption coverage?
Most BOP forms include business interruption coverage automatically – protection for lost income and ongoing expenses if a covered event temporarily shuts your business down. This is one of the biggest reasons BOPs are popular with small businesses, since adding business interruption as a separate endorsement on a standalone property policy can cost more.
What businesses don't qualify for a BOP?
BOPs are typically designed for businesses with relatively predictable risk profiles – usually under $5M – $10M in revenue, in standard industries (retail, office, food, light service), with normal liability exposures. Larger businesses, businesses with high-risk operations (heavy manufacturing, transportation), businesses with extreme weather exposure, or businesses needing very high liability limits often need standalone GL and property instead. We’ll tell you honestly during your review.
Can I add other coverages to a BOP?
Yes – most BOPs allow you to endorse additional coverages, including cyber liability, equipment breakdown, employee dishonesty, hired and non-owned auto, professional liability, and more. The available endorsements vary by carrier and BOP form. We help you identify the ones that match your actual exposures rather than just stacking add-ons.
Can you review my current BOP at renewal
Yes — and this is one of the most valuable reviews we do. Many small businesses stay on the same BOP for years without checking whether the carrier, form, or limits are still the best fit. Bring us your current policy and we’ll compare it against alternatives, identify any gaps or overlaps, and show you whether it’s time to re-shop or transition to standalone coverage.
Related coverage
What pairs with a BOP — or replaces it.
Let's see if a BOP actually fits.
Request a free, no-obligation review — and we’ll price both BOP and standalone options so you can choose with the full picture.