.png)
Secure Comprehensive Business Insurance in Connecticut — Business Owner’s Policy (BOP)
As a Connecticut business owner, you face everyday risks that could impact your bottom line—property damage, liability claims, or interruptions in operations. That’s why our Business Owner’s Policy (BOP) is designed to be a cost-effective, all-in-one insurance solution that helps protect your business so you can focus on growth and success.
%20(1).png)
Business Owner's Policy (BOP)
If you're a Connecticut entrepreneur seeking a comprehensive insurance solution that combines affordability and extensive coverage, you've come to the right place. Our Business Owner's Policy (BOP) is tailored to safeguard your business from unforeseen risks, allowing you to focus on what you do best – growing your enterprise.
Don't leave your business vulnerable – secure your success with Insure Connecticut's BOP today.
What Is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy (BOP) bundles essential coverages into a single, affordable plan tailored for Connecticut small to medium-sized businesses. Instead of buying separate policies for property and liability insurance, a BOP gives you broad protection with simplified management and potential premium savings.
✔ Key Components of a BOP:
-
Commercial Property Insurance – Protects your building, equipment, inventory, and business contents from fire, theft, vandalism, and more.
-
General Liability Insurance – Helps cover third-party claims like bodily injury, property damage, advertising injury, and defense costs.
-
Business Interruption Insurance – Compensates for lost income and ongoing expenses if your business must close temporarily due to a covered loss.
-
Customizable Coverages – Add optional protections like cyber liability, equipment breakdown, crime coverage, and more based on your specific industry risks.
Why Connecticut Businesses Choose a BOP
A Business Owner’s Policy is one of the most practical insurance options for small businesses in Connecticut because it:
-
Simplifies your insurance package with one policy, one renewal, and one set of limits.
-
Reduces coverage gaps by bundling multiple protections under one plan.
-
Saves money compared to buying individual policies separately.
-
Customizes coverage to your industry—whether you’re in retail, services, contracting, hospitality, or professional services.
What a BOP Covers (and Doesn’t)
Covered Under Most BOP Plans:
✅ Property damage to owned or rented buildings
✅ Equipment, tools, inventory, and business personal property
✅ Liability claims from customers or vendors
✅ Lost income due to covered property damage
✅ Advertising injury and legal defense costs
Not Typically Included (But Available as Add-Ons):
❌ Workers’ Compensation Insurance (required in CT if you have employees)
❌ Professional Liability (E&O)
❌ Commercial Auto Insurance
❌ Flood coverage
❌ Some cyber liability protections
(These can often be added as endorsements based on your business needs.)
How Much Does BOP Insurance Cost in Connecticut?
BOP premiums vary widely depending on your business type, size, location, and risk profile. In Connecticut, many small businesses pay an estimated $500–$3,500 per year, with actual costs determined by:
-
Industry risk and operational exposures
-
Coverage limits and deductible levels
-
Location of property and building value
-
Optional endorsements added to the policy
📊 The most accurate way to know your rate is with a personalized quote tailored to your business.
Helpful Blogs about BOP Insurance
