What is business owner's policy (BOP)?
A business owner's policy (BOP) bundles general liability with commercial property, and sometimes business interruption, into one package for small businesses. It is convenient for sellers who need both liability and property cover, but a standard BOP often needs product liability confirmed or added for eCommerce.
Get a free quoteWhat bop covers, and what it does not.
Covered
- general liability
- commercial property (your stock and equipment)
- often business-interruption income
Not covered
- product liability unless explicitly included or added
- professional services, cyber, or workers' comp
- high-limit exposures (needs an umbrella)
Who needs it
Small sellers who want liability and property cover bundled, and who confirm product liability is included.
Typical cost
Small-business BOPs commonly run about $40 to $100/mo depending on property and risk.
Where Assureful fits
Coverage priced on your real sales.
A BOP bundles property with liability; Assureful specializes in the product and general liability piece eCommerce sellers most need. Assureful connects to your store, prices product and general liability from actual monthly sales, and issues a marketplace-ready Certificate of Insurance when a platform or buyer asks.
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
BOP FAQ.
Does a BOP include product liability?+
Not always. A standard BOP bundles general liability and property, but product liability for the goods you sell may need to be confirmed or added. For product sellers, make sure product liability is explicitly covered.
Related coverage
General information, not insurance advice. Source: Insurance Information Institute: BOP. Reviewed 2026-07-01.