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:

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General liability for customer injuries, property damage, and legal claims

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Commercial property insurance for your building, inventory, and business assets

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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.

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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:

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Retail stores, salons, and restaurants

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Independent contractors with leased office space

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Medical or professional offices

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Repair shops and service-based businesses

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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.

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.