Business owners policy

Business Owners Policy (BOP)

A BOP packages your liability, property, and business income coverage into one policy — simpler to manage and usually more cost-effective.

  • General liability included
  • Commercial property
  • Business income / extra expense
  • Optional endorsements

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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.

What's inside a BOP

  • Liability — third-party injury and property damage claims.
  • Property — building, contents, equipment, and inventory.
  • Business income — lost revenue while you recover from a covered loss.

Common add-ons

Cyber liability, equipment breakdown, hired & non-owned auto, and employment practices liability can usually be endorsed onto the same policy.

Related coverage

Frequently asked questions

What's the difference between a BOP and general liability?▾

A BOP bundles general liability with commercial property and business income in one package, usually at a better price than buying separately.

Is my business eligible for a BOP?▾

Most small to mid-size low-hazard businesses are. Carriers look at revenue, square footage, and industry class.

Does a BOP include workers' comp?▾

No. Workers' compensation is a separate policy.

Does a BOP cover commercial vehicles?▾

No. Business-owned vehicles need a commercial auto policy, though hired and non-owned auto can often be added to a BOP.

Does a BOP cover flood?▾

Flood is generally excluded. Commercial flood coverage is available separately.

What is business income coverage?▾

It helps replace lost income and pay ongoing expenses if a covered loss forces you to pause operations.

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