Business Owners Policy (BOP) in North Carolina

Bundle Protection, Big Savings

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Simplified Coverage; One Policy, Multiple Protections

A Business Owners Policy (BOP) is a convenient insurance bundle designed for small and mid-sized businesses. It combines General Liability, Commercial Property, and Business Income (Interruption) coverage into one package-often at a discounted premium.

 

Think of it as a "combo meal" for your business's most important coverages-one policy, one bill, and fewer headaches.

Made for Main Street

Eligibility & Flexibility

BOPs are ideal for businesses like retail shops, offices, small restaurants, contractors (who qualify), and many others. To be eligible, your business typically needs to meet certain criteria:


  • Under a specific revenue and square footage
  • Operate in a low- to moderate-risk industry
  • Own or lease a small commercial space


Holmes Insurance will determine if your business is a fit and, if not, will tailor a package that matches your unique needs.

Comprehensive Protection-What a BOP Covers

Property Insurance

Protects your building and contents against fire, theft, storms, and more.

General Liability

Covers injuries or damages to others caused by your business.

Business Income (Interruption)

Reimburses lost income and ongoing expenses if you're forced to temporarily close due to a covered property loss.

You can customize your BOP with extra options like Data Breach coverage, Equipment Breakdown, Hired/Non-Owned Auto liability, and more.

Simple, Cost-Effective, and Robust

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One policy, one renewal, one bill

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Often less expensive than separate policies

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Reduces gaps and overlaps in coverage

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Easily tailored with endorsements for your specific business needs

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How a BOP Works in Real Life

A fire damages your shop. The BOP pays for repairs (property), covers a customer's property that was in your care (liability), and reimburses your lost income while you're closed for repairs (business interruption)-all in one streamlined policy.

Know the Limits-Add-Ons for Full Protection

A BOP is a strong foundation, but you may also need:
  • Workers' Compensation
  • Professional Liability (E&O)
  • Commercial Auto
  • Cyber Liability


Holmes can coordinate these seamlessly for a complete insurance program.

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Your BOP Questions, Answered

  • What is a BOP?

    A bundled policy combining property, liability, and business income coverage.

  • Do I qualify for a BOP?

    Most small/medium businesses do-contact us for a quick assessment.

  • Is it cheaper than buying separate policies?

    Usually-carriers offer package discounts.

  • Can I customize it?

    Yes, endorsements allow you to add what your business needs.

Is a BOP Right for Your Business? Let's Find Out

Discover the simplicity and savings of a BOP. Holmes Insurance Services will customize the right coverage bundle for your business.