Business Owner's Policy (BOP) for California Contractors

A Business Owner's Policy can combine eligible General Liability and commercial property coverages in one policy structure for qualifying businesses. Eligibility depends on operations, revenue, property, locations, claims, requested limits, carrier forms, and underwriting.

Available options may address eligible third-party liability, covered business property, business income, and equipment-breakdown exposures. Mobile tools, off-premises property, vehicles, employee injuries, and project-specific requirements need separate review.

Contractors should compare an eligible BOP structure with standalone General Liability and property options based on their actual operations and property exposures. California LLC contractor licensees should separately verify applicable liability and bond requirements. Use the dedicated BOP review form to submit business, property, revenue, and claims details.