Your building, your equipment, your customers, and your income can all be covered by a single policy. A Business Owner’s Policy, often called a BOP, combines the protections most small businesses need, often for less than buying each one separately. You get one renewal date and one premium, and you spend less time on paperwork and more time on the work you love. Unified Insurance Solutions in Clive helps small business owners find a BOP that fits.
Many carriers also let you add options such as equipment breakdown, data breach coverage, or protection for tools you take to job sites.
A BOP is typically designed for small to midsize businesses with lower-risk operations. Retail shops, offices, cafes, salons, and many service providers are common fits. Eligibility depends on your industry, revenue, and building size, and each carrier sets its own guidelines. If your operation falls outside those limits, we can build separate Commercial Property Insurance and General Liability Insurance policies instead.
We compare BOP options from multiple carriers and point out the differences in limits, deductibles, and add-ons. A BOP does not include coverage for employee injuries or business vehicles, so we can also help with Workers Compensation and Commercial Auto Insurance. Our Commercial Insurance page covers the rest of your options.
Find out whether your business qualifies for a BOP. Unified Insurance Solutions works with small businesses across the Des Moines metro and in Nebraska, Minnesota, Missouri, and Arizona. Start with our online quote request, or contact our Clive office at 515-978-8592 to compare BOP options with a local agent.
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