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Business Owner's Package (BOP) Insurance

What is Business Owner’s Package (BOP) Insurance?

A Business Owner’s Package (BOP) bundles essential coverages into one cost-effective policy, protecting your business from unexpected events while saving money compared to buying separate policies. Typical BOPs include property insurance, liability coverage, and business interruption protection, but can be customized to fit your company’s unique needs.

What Does a BOP Policy Cover?

A standard Texas BOP policy may include:

  • Property Insurance – Covers buildings and contents; standard or comprehensive options.
  • Business Interruption – Reimburses lost income and extra expenses after a disaster.
  • Liability Protection – Covers injury or property damage, including faulty products or installation.

Important: Most BOPs do not include professional liability, auto insurance, workers’ compensation, or employee health coverage. Separate policies are needed for these areas.

Why BOP Insurance Matters in Texas

Texas businesses face unique risks, from hurricanes and hailstorms to liability claims and property damage. A BOP policy provides affordable, comprehensive protection for small and medium-sized businesses, helping you stay operational and financially secure after unexpected events.

Local Expertise You Can Trust

At MCN Multiservices, we help Texas business owners find the right BOP coverage. Our agents understand state-specific risks and regulations, tailoring policies to fit your industry, property, and budget.

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What Makes Our Workers’ Comp Insurance Different?

Texas-Specific Expertise

Navigate local risks and compliance requirements with confidence.

Customizable Coverage

Add endorsements for cyber liability, crime protection, or equipment breakdown.

Affordable Premiums

Competitive rates for small and growing businesses.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Business Insurance Tips for Texas Owners

  • Bundle Policies – Combine BOP with commercial auto or workers’ comp for discounts.
  • Review Annually – Update coverage as your business grows or risks change.
  • Add Cyber Liability – Protect against data breaches and online threats.
  • Invest in Safety – Lower premiums by implementing workplace safety programs.

Ready to Protect Your Business?

Contact MCN Multiservices today for a free Business Owner’s Package insurance quote in Texas. Our licensed agents will help you compare policies, customize coverage, and get insured fast—so you can focus on growing your business.

Frequently Asked Questions

Who needs a Business Owner’s Policy?

A Business Owner’s Policy (BOP) is ideal for small businesses such as retail stores, restaurants and cafes, offices and professional services, contractors, service providers, and home-based businesses. If your business has a physical location, valuable assets, or customer interactions, a BOP provides essential BOP insurance for small business protection, business insurance for retailers, and contractor BOP policy coverage.

The cost of a BOP insurance policy in Texas depends on your business type and size, location and property value, coverage limits and deductibles, and claims history. On average, Texas small businesses pay between $500 and $2,500 annually for a BOP, making it an affordable business insurance solution with competitive small business insurance rates.

While a BOP covers general liability and commercial property, it does not include professional liability (Errors & Omissions), workers’ compensation, commercial auto insurance, cyber liability, or flood and earthquake damage, which require separate policies. Knowing these BOP insurance exclusions helps identify potential business insurance gaps and what BOP doesn’t cover.

Yes! Many BOP policies are customizable, allowing you to add optional coverages such as cyber liability insurance, employment practices liability, equipment breakdown, data breach coverage, and hired/non-owned auto insurance. Customizable BOP insurance lets you tailor your business owner’s policy and add-ons for business owner’s policy for a fully tailored business insurance solution.

For many small businesses, a BOP is more cost-effective and convenient than purchasing separate policies. It simplifies business insurance coverage, consolidates general liability and property protection, and often comes with discounted premiums, offering clear benefits over BOP vs separate policies and other bundled business insurance options.

To qualify for a BOP, your business typically must operate in a low-risk industry, have fewer than 100 employees, generate less than $5 million in annual revenue, and own or lease a physical location. These BOP insurance eligibility requirements help determine who qualifies for a business owner’s policy and outline small business insurance requirements.

To file a BOP insurance claim, contact your insurance provider immediately, document the incident with photos, reports, and receipts, submit the claim form and supporting documents, and cooperate with the claims adjuster during the investigation. Following this BOP insurance claim process ensures you know how to file a business owner’s policy claim efficiently.

Yes! A BOP can be bundled with workers’ compensation, commercial auto, umbrella liability, or professional liability insurance. Bundling your BOP with other policies can save money and provide broader protection, making it a smart strategy for BOP insurance bundles, business insurance packages, and multi-policy business coverage.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.