Business Owners Policy (BOP)
Proof of coverage and policy enhancements
BOP certificates show both your property and liability coverage on one document. Various endorsements can enhance your policy to meet specific business needs.
A BOP Certificate of Insurance shows your property limits, liability limits, and included coverages. Since BOPs bundle multiple coverages, certificates often list several coverage types with their respective limits.
Understanding Certificates & Endorsements
BOP Certificate of Insurance
Shows all coverages included in your BOP: property, liability, and any additional coverages like equipment breakdown or crime.
Additional Insured - Landlord
Adds your landlord to the liability portion of your BOP. Required by most commercial leases.
Loss Payee - Lender
Adds your bank or equipment financier to property coverage. They're paid first if covered property is damaged.
Additional Insured - Client
Extends liability coverage to clients for claims arising from your work. Common in service contracts.
Common Endorsements
Equipment Breakdown
Covers sudden breakdown of covered equipment like HVAC, refrigeration, and electrical systems.
Cyber Liability
Adds coverage for data breaches, cyber attacks, and related expenses.
Employee Dishonesty
Covers losses from employee theft of money, property, or inventory.
Need help with your business owners policy (bop)?
Our licensed agents can help you understand your coverage options and find the right policy for your business.