Business owner’s policy (BOP)
Liability and property in one policy, including lost income after a covered loss.
Best for · Offices, shops, practices
Business insurance
Protect the business you’ve built.
Coverage for practices, restaurants, shops and firms — your property, your people and your succession plan.
BOP, liability & propertyWorkers’ compKey person & buy-sell
Coverage options
The core of a business insurance plan.
Free quote · No obligation
Business insurance quote
About 3 minutes. Estimates are fine.
Step 1 of 4 · Your business
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Back to homeWhat insurance does a small business need?
Most start with a business owner’s policy (BOP), which combines liability and property coverage, plus workers’ comp once they hire. Depending on your work, you may also need professional, cyber or commercial auto coverage.
How much does business insurance cost?
It depends on your industry, revenue, payroll, location and claims history. Sally compares several insurers to find a competitive price.
What is a business owner’s policy (BOP)?
One policy that combines liability, property and business-interruption coverage. It usually costs less than buying each separately.
What is key person insurance?
A life insurance policy the business owns on an owner or key employee. If that person dies, the payout helps cover lost revenue, hiring or debt.