What Is a Business Owners Policy (BOP)?
A Business Owners Policy combines three essential coverages that most small businesses need into one bundled policy — typically at a lower cost than purchasing each coverage separately:
Commercial Property Insurance
Protects your business building, equipment, inventory, and physical assets.
General Liability Insurance
Covers bodily injury and property damage claims from third parties, including customers injured on your premises.
Business Income Insurance
Replaces lost revenue if your business has to temporarily close due to a covered event like a fire or natural disaster.
Who Qualifies for a BOP in California?
A Business Owners Policy is designed for small to mid-size businesses. You may qualify if your business:
- ✓ Has fewer than 100 employees
- ✓ Operates from a commercial or home-based location
- ✓ Has annual revenues generally under $5 million
- ✓ Operates in a lower-risk industry (retail, professional services, restaurants, offices)
Industries We Serve in Clovis & Fresno
What a BOP Does NOT Cover
A standard BOP does not cover everything. Common exclusions include:
- ✗ Workers' compensation — required separately under California law
- ✗ Commercial auto insurance — vehicles used for business need a separate policy
- ✗ Professional liability (E&O) — for businesses that provide professional advice
- ✗ Flood and earthquake — separate policies required in California
Frequently Asked Questions — BOP Insurance California
A BOP bundles commercial property, general liability, and business income insurance into one affordable package. If you own a small business in California, a BOP is usually the most cost-effective way to get your core coverage in place. James Widjaja can assess whether a BOP or individual policies make more sense for your business.
BOP costs vary widely based on your industry, business size, location, and coverage limits. Many small businesses in Clovis and Fresno pay between $500 and $3,000 per year for a BOP. Call James Widjaja at (559) 297-5964 for a quote specific to your business.
Yes. A BOP can be customized with endorsements and additional coverages — including cyber liability, equipment breakdown, hired and non-owned auto, and more. James Widjaja will make sure your policy matches your actual business needs.
No. General liability is one component of a BOP, but a BOP also includes commercial property insurance and business income coverage. A standalone general liability policy only covers third-party injury and property damage claims.
Call (559) 297-5964 or stop by our office at 642 Pollasky Ave Suite 100 in downtown Clovis. James Widjaja will review your business type, size, and needs to find the right coverage at the right price.
Ready to Get Started?
Call James Widjaja for a free, no-obligation business insurance consultation — serving the Central Valley for over 27 years.