Business owner's policy (BOP) vs General liability
General liability is a single liability coverage. A business owner's policy (BOP) bundles general liability with commercial property, and often business interruption, into one package. A BOP suits sellers who also need to protect inventory or equipment; general liability alone covers the liability side only.
Head to head.
Business owner's policy (BOP)
General liability
What's included
General liability + property (+ often interruption)
Liability only
Protects your property
Yes, inventory and equipment
No
Product liability
Confirm it is included or added
Confirm it is included or added
Best for
Sellers holding stock or a physical space
Sellers who mainly need liability cover
Cost
Higher (bundles property)
Lower (liability only)
Which do you need?
Straight answer.
If you hold significant inventory or equipment, a BOP can make sense. If your main exposure is product-injury claims, a product and general liability policy like Assureful's is the priority.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Common questions.
Does a BOP cover product liability?+
A standard BOP bundles general liability and property, but product liability for the goods you sell may need to be confirmed or added. Product sellers should make sure product liability is explicitly covered.
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General information, not insurance advice. Sources: Insurance Information Institute. Reviewed 2026-07-01.