$83
median per month
$990
median per year
$500
average deductible
What a BOP covers
General liability
Customer injuries, damage to others’ property, advertising injury. Details
Commercial property
Your building (if owned), equipment, furniture and inventory — against fire, theft and covered damage.
Business interruption
Lost income while you can’t operate after a covered property loss (included in most BOPs; check your policy).
What a BOP costs
Insureon’s median is $83 a month. A quarter of its customers pay under $50 a month and a third pay $50–$100. 79% choose $1 million / $2 million limits; 18% choose $2M / $4M.
| Industry | BOP median per month |
|---|---|
| Consulting | $42 |
| Technology / IT | $46 |
| Healthcare | $70 |
| Food and beverage | $148 |
| Cleaning | $76 |
| Landscaping | $94 |
| Installation | $118 |
| Construction | $98 |
BOP cost by state
| State | Median per month |
|---|---|
| California | $79 |
| Florida | $105 |
| Georgia | $84 |
| New York | $97 |
| Texas | $97 |
BOP vs general liability alone
- Choose a BOP if you rent an office, shop or studio, keep inventory, or own equipment you couldn’t easily replace.
- Choose general liability alone if you work from home or online and your only equipment is a laptop and phone.
- Add professional liability either way if clients pay for your advice or expertise.
Get BOP quotes
Simply Business
GL from $20.75/mo
- Compares quotes side by side from 18 carriers
- Carriers include Hiscox, Travelers, CNA, Markel and Liberty
- Certificate of insurance downloadable 24/7
Watch out: Advertised prices are the 10th percentile — most pay more
NEXT Insurance
General liability from $19/mo
- Buy online in about 10 minutes, coverage effective after payment
- Unlimited free certificates of insurance (COI), 24/7
- General liability from $19 a month
Watch out: Starting prices are not guaranteed
Insureon
Median GL $45/mo
- Publishes median prices from 100,000+ small-business customers
- Quotes from multiple insurers with licensed agents
- Covers a wide range of industries
Watch out: Medians — your price depends on industry, state and limits
Prices are published averages or starting prices from each insurer or broker, not quotes. Your premium depends on your industry, state, payroll, revenue and claims history. We are not an insurance agency. Verified October 18, 2026. We may earn a commission if you sign up through our links, at no cost to you. How we’re funded.
Frequently asked questions
What is a business owner’s policy (BOP)?
A package that combines general liability and commercial property insurance — and usually business interruption coverage — into one policy, typically priced lower than buying each separately.
How much does a BOP cost?
The median is $83 a month ($990 a year) among Insureon’s small-business customers, with annual premiums from about $400 to over $6,000. Consultants pay about $55 a month; high-interaction businesses $131–$190.
Who qualifies for a BOP?
Insurers generally offer BOPs to small, lower-risk businesses with a physical location, equipment or inventory — offices, retail shops, studios, small restaurants. High-risk trades may need separate policies.
What doesn’t a BOP cover?
Professional mistakes (professional liability), employee injuries (workers’ comp), vehicles (commercial auto) and, usually, cyber incidents. Those are bought separately or as endorsements.
BOP or general liability alone?
If the LLC owns or rents space, equipment or inventory worth protecting, a BOP usually costs less than GL plus a separate property policy. If you work from home with only a laptop, general liability alone is often enough.
Your LLC setup checklist
- Get a free EINFrom the IRS, in minutes online.
- Open a business bank accountKeep LLC money apart from yours to protect the liability shield.
- Sign an operating agreementSettle who owns and decides what before it matters.
- Plan your taxesKnow your tax status and federal due dates.
- Track state deadlinesFree reminders before each filing.
Everything in one list: printable LLC compliance checklist · live deadline calendar.