BOP: The Jackpot of Commercial Insurance

Business Owner’s Policy: The Jackpot of Commercial Insurance

Independent and captive agents work tirelessly to get the best coverage for their customer at the most affordable price. Here at Commercial Insurance Group, LLC we want to do the legwork when your customer needs an admitted carrier. A Business Owner’s Policy or ‘BOP’ for short is an admitted commercial policy that combines protection from all major property and liability risks in one package. It assembles the basic coverages required by a business owner in one bundle.

These policies are attractive to business owners as they offer seamless coverage with unbeatable enhancement features, all at a lower cost than your tradition commercial package. Acceptable business operations for a qualifying BOP policy differ from carrier to carrier. CIG has access to multiple admitted BOP carriers, meaning we are able to find the best fit for our applicant based on the appetite of our carriers. In a large amount of cases, we can package the commercial auto, BOP, and workers compensation with one carrier, creating an even more unified policy for your applicant.

Remember, even if we can’t write the risk under a BOP coverage form, we can always find the next best fit among our other exceptional carriers.

Let us know how we can work for you! Please send Acord applications (125, 126 and 140) to and specify you are looking for a BOP. You can also use the simplified Acord 160. If they have expiring commercial coverage, be sure to include currently valued loss runs.

If submitting workers compensation or commercial auto, you can email

If you have any questions on appetite please feel free to reach out to our in house admitted underwriter

Sample Risks:

  • Retail Stores
  • Stucco/Drywall
  • Cabinet Makers
  • Businesses that use drones
  • Appraisers
  • Photographers
  • Plumbers
  • Electricians
  • Restaurants
  • Lawyers
  • Accountants
  • Real Estate
  • Medical Offices
  • Dental Offices

Need a copy of an Acord? Email