Bundle Your Business Coverage With a BOP
One Policy. Two Core Protections.
Liability + Property, made simple and cost-effective
A Business Owners Policy (BOP) combines general liability and commercial property insurance in one streamlined package—ideal for small to midsize businesses across Colorado. At Freedom Insurance, we help you customize a BOP that fits your space, equipment, and risk exposure while keeping costs manageable.
What’s Included in a BOP?
Core coverage for Colorado business owners
A BOP typically includes:
General liability for customer injuries, property damage, and legal claims
Commercial property insurance for your building, inventory, and business assets
Optional add-ons like business interruption, equipment breakdown, or cyber liability
We’ll help you adjust limits and deductibles, choose the right endorsements, and ensure you meet any lease or contract insurance requirements.
Who Should Consider a BOP?
Perfect for small businesses and startups
If your business has a physical location, customer interaction, or equipment to protect, a BOP might be right for you. We often recommend it for:
Retail stores, salons, and restaurants
Independent contractors with leased office space
Medical or professional offices
Repair shops and service-based businesses
Home-based businesses with business property or client traffic
We’ll review your setup and recommend whether a BOP or individual policies are the better fit.
Who Needs Auto Insurance in Florida?
Every Florida driver needs protection, but some situations make coverage even more essential:
- Commuters – Facing daily traffic on I-95, I-75, and local highways.
- Families – Protecting multiple drivers and vehicles.
- Motorcycle & Classic Car Owners – Specialized coverage for unique vehicles.
- Local Residents – Facing South Florida’s storms, floods, and uninsured drivers.
Local Risks to Consider
Living in Broward, Palm Beach, and the entire state of Florida means facing unique risks:
- Severe Storms & Hurricanes – High winds and flooding can cause costly vehicle damage.
- Heavy Traffic – Increases the likelihood of accidents and repairs.
- Uninsured Drivers – Florida has one of the highest uninsured driver rates in the U.S.
Business Owners Policy (BOP)
Answers for small business owners in Colorado
Is a BOP cheaper than buying policies separately?
Often, yes. Carriers usually offer discounted pricing when bundling liability and property together.
Can I add coverage like cyber or employee dishonesty?
Yes. Many optional endorsements are available to tailor your BOP to specific risks.
Is workers’ comp included in a BOP?
No. Workers’ compensation is a separate policy, which we can help you set up.
Do I need a BOP if I work from home?
Possibly. If clients visit your home or you store business equipment there, a BOP may still be appropriate.
How fast can I get a BOP issued?
We can usually quote and bind same-day for most businesses once we review your details.
Protect Your Car with Confidence
Get the Right Auto Insurance in Florida
At The Marcus Group, we treat your protection like it’s our own. With decades of experience, local knowledge, and access to multiple carriers, we’ll make sure you have the right auto insurance for peace of mind on South Florida’s roads.
