Business owners policy
A BOP packages your liability, property, and business income coverage into one policy — simpler to manage and usually more cost-effective.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Cyber liability, equipment breakdown, hired & non-owned auto, and employment practices liability can usually be endorsed onto the same policy.
A BOP bundles general liability with commercial property and business income in one package, usually at a better price than buying separately.
Most small to mid-size low-hazard businesses are. Carriers look at revenue, square footage, and industry class.
No. Workers' compensation is a separate policy.
No. Business-owned vehicles need a commercial auto policy, though hired and non-owned auto can often be added to a BOP.
Flood is generally excluded. Commercial flood coverage is available separately.
It helps replace lost income and pay ongoing expenses if a covered loss forces you to pause operations.