Quick Answer
A Business Owner's Policy (BOP) bundles General Liability with Commercial Property and Business Interruption into a single policy — usually cheaper than buying them separately. Appropriate fit for California contractors with an office, shop, or warehouse plus tools and inventory. Annual cost depends on the business and underwriting factors: pricing varies by classification, payroll, operations, claims history, limits, and underwriting. Call (858) 925-9555.
What a BOP Includes
- General Liability — third-party injury and property damage
- Commercial Property — your office, tools, signage, inventory
- Business Interruption — lost income while you recover from a covered event
What a BOP Doesn't Include
- Workers' Comp (separate policy, required by law)
- Commercial Auto (separate)
- Professional Liability (separate)
- Cyber Liability (separate)
- Heavy Equipment (separate Equipment Floater)
Who Should Buy a BOP
- Contractors with an office, shop, or yard
- Small to mid-sized contractors under $5M revenue
- Anyone with tools/inventory at a fixed location worth protecting
BOP vs Standalone GL
| Coverage | Standalone GL only | BOP |
|---|---|---|
| Third-party injury | ||
| Property damage to others | ||
| Your tools & equipment | ||
| Office contents | ||
| Business interruption | ||
| Signage |
Cost
Typical California contractor BOP: pricing varies by classification, payroll, operations, claims history, limits, and underwriting depending on revenue, property values, and trade. 2026 estimates.
Get a BOP quote that bundles your GL + property. Call (858) 925-9555.
Related: BOP page · GL vs WC · Tools & Equipment Insurance
Bundle and save — call (858) 925-9555.