Business Owners Policy Insurance

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Small to medium-sized businesses need comprehensive protection without the complexity and expense of multiple separate policies.  Business Owners Policy insurance combines essential property and liability coverages into one convenient, cost-effective package specifically designed for smaller operations with standard insurance needs. With Actsphere’s Business Owners Policy solutions, your company gains robust protection for buildings, business personal property, business income, and general liability exposures. We compare options from several top carriers to find perfect coverage at exceptional prices—all through one trusted insurance company that treats your business like family.

Critical BOP Mistakes That Could Leave Your Business Vulnerable—And How Actsphere Protects You

Most small businesses make dangerous mistakes with their Business Owners Policy that create serious coverage gaps. At Actsphere Insurance Group, we help you avoid these potentially costly errors.

Assuming All BOPs Are the Same

Business Owners Policies vary significantly in coverage breadth, limits, exclusions, and endorsement options between carriers. Our comprehensive carrier comparison ensures you get the most favorable terms and broadest protection rather than a one-size-fits-all solution.

Overlooking Business Income Coverage

Many business owners focus solely on property damage protection without considering the potentially greater impact of business interruption. Our thorough analysis ensures adequate business income limits that reflect your actual revenue streams and recovery timelines.

Missing Important Endorsements

Standard BOPs contain numerous coverage gaps that require specific endorsements for professional services, cyber risks, employment practices, and other specialized exposures. Our systematic review identifies these gaps and recommends appropriate supplemental protection.

Outgrowing Your BOP Without Realizing It

As businesses expand, they often exceed BOP eligibility requirements in revenue, square footage, or employee count. Our regular review process monitors your growth to ensure timely transition to more appropriate commercial package policies when needed.

What Our Actsphere Family Says

We’re proud to protect families, businesses, and employee wellness teams across the country. Our client stories show our commitment, honesty, and real results.

What Makes Actsphere Business Owners Policy Different?

Actsphere Business Owners Policy

  • Access to top-rated insurance carriers for optimal coverage
  • Comprehensive coverage comparison and analysis
  • Complete endorsement evaluation and recommendations
  • Local agents who understand small business risks
  • Dedicated team supporting all your insurance needs
  • Regular policy reviews as your business evolves

Other BOP Providers

  • Limited to one carrier's policy form only
  • One-size-fits-all approach to coverage
  • Minimal endorsement recommendations
  • Call centers in other states or countries
  • Impersonal customer service
  • Infrequent policy reviews and updates
why choose actsphere

Why Small Businesses Choose Actsphere for Business Owners Policies

Since 2015, we’ve helped small businesses secure comprehensive, cost-effective protection through optimized BOPs. Learn more about our insurance agency.

  • Best rates from quality insurance carriers
  • Agents who understand different business types and operations
  • Local experts who know small business risks
  • Always human, always here when you need us
  • Policy adjustments handled promptly as your business evolves

Complete Business Owners Policy Solutions From Actsphere

Essential BOP Protection
Your small business needs comprehensive, affordable protection against common risks. As your business insurance partner, Actsphere designs Business Owners Policy solutions tailored to your specific operations, location, and industry.

Core BOP Coverages

  • Property Coverage - Building & Contents Protection
  • General Liability - Third-Party Protection
  • Business Income - Operation Continuation

Additional BOP Features

Industry-Specific BOP Solutions

  • Retail BOP Coverage - For stores and shops
  • Office BOP Protection - For professional spaces
  • Service Business BOP - For service providers

How Actsphere Business Owners Policy Works

1

BOP Consultation

Share your business operations, location details, and current coverage. We listen and identify the right approach for your specific needs.

2

Coverage Analysis

We evaluate your property values, liability exposures, business income needs, and specialized risks to determine appropriate coverages and limits.

3

Strategic BOP Development

We create a customized Business Owners Policy with appropriate endorsements, leveraging our 25+ carrier relationships for optimal protection and pricing.

4

Ongoing Business Risk Management

As your business grows, operations change, or new exposures emerge, we’re always just a call or text away.

Business Changes? Your Actsphere Family Is Here

Company Growth Image

Business Growth

  • Revenue increases
  • Location expansion
  • Employee additions
  • Product line extensions
  • Service area growth
Operational Changes Image (1)

Operational Changes

  • Equipment upgrades
  • Inventory increases
  • Renovation projects
  • Process modifications
  • Technology implementation
Risk Evolution Image

Risk Evolution

  • Contract changes
  • Customer profiles
  • Supplier relationships
  • Remote operations
  • Online expansion
Call Actsphere when your business evolves — We’ll adjust your protection promptly. That’s what family does.

Switch to Actsphere Business Owners Policy – We Handle Everything

We Make It Easy

  1. Review current policies for gaps and overlaps
  2. Analyze your specific business exposures and needs
  3. Compare options from several carriers for the best protection
  4. Manage seamless carrier transitions
  5. Provide certificates and policy documentation
  6. Support ongoing risk management needs
How Fast?
  • Initial Analysis: Same day in most cases
  • Customized Quotes: 24 hours for most small businesses
  • Policy Binding: As quickly as 24 hours when needed
  • Certificates: Immediate delivery when required

Frequently Asked Questions

What's the difference between a BOP and separate policies?
A Business Owners Policy combines property, liability, and business income coverages into one package, typically at a lower premium than purchasing them separately. BOPs also include additional coverages like equipment breakdown and valuable papers at no extra cost, while offering streamlined administration through a single policy, renewal date, and premium.
Is my business eligible for a BOP?
BOPs are generally available to businesses with fewer than 100 employees, revenues under $5 million, commercial space under 25,000 square feet, and low to moderate risk profiles. Specific eligibility requirements vary by carrier and industry, with some specialized BOPs available for specific business types like retail, offices, contractors, and certain service providers.
What does the business income coverage in a BOP actually cover?
Business income coverage replaces lost revenue and pays continuing expenses when your business can’t operate due to covered property damage. This vital protection typically covers profits that would have been earned, operating expenses that continue despite shutdown (rent, payroll, utilities), and extra expenses needed to resume operations quickly.
Does a BOP cover professional liability or errors and omissions?
No, standard BOPs specifically exclude professional liability (errors and omissions) exposures. Businesses providing professional services or advice need separate professional liability coverage or specific endorsements to address these risks, as general liability in a BOP only covers bodily injury, property damage, and personal/advertising injury claims.
Can I customize my BOP with additional coverages?
Yes, BOPs are designed to be enhanced with endorsements addressing specific business needs. Common additions include employment practices liability, cyber liability, professional liability, hired and non-owned auto, enhanced business income, higher limits, equipment coverage, ordinance or law, and industry-specific endorsements.
How does a BOP handle employee injuries?
BOPs do not cover employee injuries, which require separate workers’ compensation insurance. General liability in a BOP specifically excludes injuries to employees, covering only third parties like customers and visitors, making workers’ compensation an essential companion policy for any business with employees.
Are home-based businesses eligible for BOPs?
Yes, many carriers offer BOPs specifically designed for home-based businesses, providing protection beyond homeowners insurance limitations. These specialized BOPs cover business equipment, liability for client injuries, product liability, business income, and other exposures that homeowners policies either exclude or severely limit.
What happens if my business outgrows BOP eligibility?
When your business exceeds BOP eligibility thresholds in revenue, square footage, or employee count, you’ll transition to a commercial package policy (CPP). This transition maintains similar coverages with greater flexibility for larger operations, higher limits, and more customization options tailored to your growing business needs.
How are BOP premiums determined?
BOP premiums are based on business type, location, building characteristics, revenue size, employee count, coverage limits, and claims history. Additional factors include construction type, fire protection, security measures, deductible levels, optional coverages, and specific risk attributes related to your particular industry and operations.
Should I choose replacement cost or actual cash value coverage in my BOP?
Replacement cost coverage pays to replace damaged property with new items of like kind and quality without deduction for depreciation, while actual cash value (ACV) reduces payment by depreciation based on age and condition. Replacement cost provides far superior protection by eliminating potentially significant out-of-pocket expenses, making it worth the moderate additional premium in most cases.

Actsphere Serves Small Businesses in These States

Our team helps small companies secure comprehensive BOP protection across these great states. See Business Owners Policy options by state:

TEXAS

PENNSYLVANIA

MICHIGAN

OHIO

Each state has unique small business risks, regulations, and insurance requirements. Our insurance experts know them all.

Actsphere Insurance Blog

Get practical tips for protecting your small business. Check out our insurance blog for risk management strategies, coverage insights, and small business protection guidance.

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Ready to Protect Your Small Business?

Important: The right Business Owners Policy provides comprehensive, affordable protection tailored to your specific operations. Let’s secure your business today.

Visit Our Office

3129 Kingsley Dr., Suite 1910 Pearland, TX, 77584

When We’re Here

Weekdays: 8:30 AM – 6:00 PM,
Monday – Thursday,
Friday – 8:30-5:00 PM

Claims Emergency: 24/7
(Note: You can always contact insurance claims department)
Three Ways to Start

(832)-956-1033 – Talk to a Licensed Insurance team member now

Same number for quick questions

sales@actsphereins.com – Get quotes today

Contact Actsphere Insurance

Call, text, or stop by anytime. Real people, real help, really fast.

“Stewardship is our policy” – Since 2015, Actsphere Insurance Group has been a trusted insurance company, protecting businesses and families with access to several carriers. One company, complete coverage, unbeatable service.