BUSINESS OWNERS POLICY · GEORGIA

Business Owners Policy (BOP) for Georgia small businesses.

A Business Owners Policy bundles commercial property and general liability into a single policy. For most small Georgia businesses with a physical location or business property, a BOP is the most cost-efficient starting point. It covers your space, your stuff, and your liability in one package.

Free Coverage Review

WHAT'S COVERED

What a BOP covers

Commercial Property

Pays to repair or replace your business property: computers, inventory, furniture, and equipment, if damaged by covered perils.

General Liability

Pays if a customer or visitor is injured at your location or if your business operations cause property damage to others.

Business Interruption

Pays your ongoing expenses and lost income when a covered event forces your business to shut down temporarily.

Optional Enhancements

Additional coverages often included or available: cyber, equipment breakdown, hired/non-owned auto, and employment practices.

IMPORTANT LIMITATIONS

What a BOP does not cover

Employee injuries (workers comp)

Employee injuries are excluded from BOP. Workers comp is a separate required policy in Georgia once you have three or more employees.

Professional errors and omissions

Professional advice, errors, and negligence are excluded. Add professional liability separately.

Business vehicles

Vehicles used in the business are excluded from BOP property coverage. Commercial auto is separate.

Flood damage

Flood is excluded from BOP. A separate commercial flood policy is required.

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.

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GET STARTED

Running a Georgia small business without commercial insurance?

A BOP is the most efficient starting point for most small Georgia businesses. Send us your business details and we will compare BOP carriers and tell you what fits.

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