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Business Owners Policy - Georgia Small Business

Business Owners Policy: The Foundation of Small Business Coverage in Georgia

A BOP bundles general liability and commercial property into one policy at a lower combined cost than buying each separately. Most Georgia small businesses need one.

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What a BOP Covers

General Liability

Covers bodily injury and property damage claims from customers or third parties. If a customer slips in your office or you damage a client's property, GL pays the legal fees and settlement.

Commercial Property

Covers your building, equipment, inventory, and furniture against fire, theft, vandalism, and most weather events. Replacement cost coverage ensures you are not underpaid after a loss.

Business Interruption

Pays lost income and ongoing expenses if a covered loss forces you to close temporarily. Most policies cover up to 12 months of lost revenue while you rebuild or relocate.

Equipment Breakdown and HNOA

Covers physical and mechanical breakdown of HVAC, refrigeration, computers, and electrical systems that standard property excludes. Often added to BOPs as Hired and Non-Owned Auto for businesses where employees occasionally drive personal vehicles for work.

What a BOP Does Not Cover

Professional Errors

BOP general liability does not cover mistakes in your professional work. A consultant who gives bad advice needs a separate errors and omissions policy.

Employee Injuries

Workers compensation is excluded from a BOP. Georgia requires workers comp for businesses with 3 or more employees. It must be purchased separately.

Commercial Auto

Vehicles owned or used for business are not covered under a BOP. You need a separate commercial auto policy for any business vehicle.

Flood and Earthquake

Standard BOP policies exclude flood and earthquake damage. Separate flood coverage is required for properties in FEMA flood zones.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit for your business.

Commercial Lines

Travelers Commercial

A++ Superior

AM Best A++ commercial carrier with broad multi-line appetite across BOP, GL, workers comp, and cyber for Georgia small to mid-market businesses.

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Commercial Lines - Georgia

Chubb Commercial

A++ Superior

Mid-market and specialty commercial carrier with industry-leading management liability, cyber, and international coverage for Georgia businesses above $5M revenue.

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Commercial Lines - Georgia

Philadelphia

A++ Superior (Tokio Marine Group)

Specialty commercial carrier focused on Georgia nonprofits, religious institutions, habitational, and schools where standard markets have weaker appetite.

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Commercial Lines

Nationwide Commercial

A+ Superior

Fortune 100 commercial carrier with particular strength in agricultural, farm, and rural Georgia small business commercial accounts.

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Commercial Lines

The Hartford Commercial

A+ Superior

Most respected small business commercial carrier with one of the broadest BOP policies available and industry-leading workers comp.

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Commercial Lines - Georgia

Hanover

A Excellent

Independent-agent-only carrier with strong small and mid-market BOP appetite and competitive coverage terms in the $1M to $10M revenue range.

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Commercial Lines - Georgia

Berkley Aspire

A+ Superior (W.R. Berkley Corporation)

E&S commercial carrier for hard-to-place Georgia risks including roofing, demolition, hospitality, and habitational accounts admitted markets decline.

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Commercial Lines - Georgia

CNA

A Excellent

Top mid-market commercial carrier with healthcare professional liability strength and broad appetite across $500K to $50M revenue Georgia accounts.

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Review Your Business Coverage

A free coverage review tells you exactly what your current policy covers, what it excludes, and what a properly structured BOP would cost for your business. No obligation.

$500 to $3,000 per year for most small businesses

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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