Business owner's policy with Huckleberry insurance

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Business owner's policy with Huckleberry insurance

What is a business owner’s policy?

A Business Owner’s Policy (commonly referred to as a BOP) is actually a bundle of coverages that will protect your small business from many kinds of liability and property damage. A BOP is basically a convenient package deal of the insurance products your business most needs, and you can get one from Huckleberry in about 5 minutes. The coverage is affordable and everything’s online and super easy.

Business owner's policy with Huckleberry insurance

Does your small business need a business owner’s policy?

Yes. While it isn’t usually required by law, a business owner’s policy combines the policies you need most: general liability (so you won’t go out of business because of a third-party lawsuit), business property insurance (so you won’t have to worry about damage to your building or anything inside it), and business interruption insurance (so a temporary catastrophe doesn’t turn into a permanent shutdown).

Basically: a Business Owner’s Policy is a smart way to get the coverages you need to keep your business protected. And it could save you tens of thousands of dollars in expenses from unexpected incidents.

What does a Business Owner’s Policy include?

Business owner's policy with Huckleberry insurance

Protects your small business when someone else makes a claim against you for property damage or bodily injury.

Business owner's policy with Huckleberry insurance

A bundle of two coverages that covers your building and the stuff inside it.

Business owner's policy with Huckleberry insurance

Provides financial support to your business if something unexpected happens and you have to close temporarily.

Optional coverages to add to your business owner’s policy

Professional Liability

Pays out to cover the cost of legal expenses and settlements if you make a covered mistake that harms a client.

Hired and Non-Owned Auto

Protects your business from a lawsuit if someone associated with your company causes damage in a vehicle that your business doesn’t own.

Employment Practices Liability (EPLI)

Protects your company if an employee claims harassment, discrimination, or wrongful termination.

Liquor Liability

Covers your legal costs and settlement if your restaurant sells alcohol to someone who is visibly intoxicated (and who then damages something or someone).


Pays out a financial benefit if you lose food or beverages because of a power outage (or some other covered event).

Equipment Breakdown

Pays to repair (or replace!) the electronic or mechanical equipment your business relies on to operate.

Restaurant Endorsement

A bundle of coverages that’ll help protect you against the unique risks that come with the restaurant business.

Employee Dishonesty

Reimburses you for financial damages if an employee ever steals from you (either directly or indirectly).

Here’s where Huckleberry sells small business insurance by state:

Business owner's policy with Huckleberry insurance

How much is a business owner’s policy?

The cost of a Business Owner’s Policy will fluctuate based on what industry you’re in and where your business is located. (Hey, some industries are more dangerous than others!) But the median premium cost of a Business Owner’s Policy with Huckleberry is $750 per year—about $2 a day. Keep in mind that you could pay more or much less, and the fastest way to find out how much you’d pay for a BOP is to get a 60-second estimate here.

It’s important to remember, too, that the unexpected incidents a BOP covers could cost your business tens of thousands of dollars. Ultimately, getting a BOP is much less expensive than going without coverage.

Business owner's policy with Huckleberry insurance

Why get a business owner’s policy from Huckleberry?

Good question. Here’s why you should buy your Business Owner’s Policy from us:

  1. It’ll be super quick. 95% of our customers get the coverage they need in five minutes—less time than it takes to make a cup of coffee.
  2. There’s no paperwork and nothing to fax. You’ll manage your policy through our easy online portal.
  3. You’ll likely pay less for your coverage. (Probably the best reason.)

Common questions about a Business Owner’s Policy

  • A business owner’s policy isn’t required by the government, but you should get one anyway. Some of your clients will probably require proof of general liability (which is, conveniently, included in a BOP), and a lawsuit, an unexpected shutdown, or a fire could cost your business tens of thousands of dollars if you aren’t insured. Getting a BOP is an affordable, responsible way to get the most important coverages that will keep your business protected.

  • Probably! If you run a very small business, you might be even more vulnerable to an expensive lawsuit or a business shutdown than a bigger business. (And if you don’t have a building or property to protect, you won’t be charged for those coverages.)

  • Yep, a Business Owner’s Policy includes general liability. In fact, purchasing the BOP bundle is one of the most affordable ways to get liability coverage. (You can check to see what you’d pay by getting a 60-second estimate here.)

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