A business owners policy built around your operation
A BOP combines property, general liability and business income into one policy. We match it to your lease, your equipment and the contracts your clients ask you to sign.
How we approach business owners policy
A business owners policy is the foundation for most small businesses with under about $5 million in revenue. It combines commercial property, general liability and business interruption at a lower price than buying each separately. For a Tremont cafe, a Lakewood salon or a Westlake accounting office, it is usually the first policy we write.
The details matter. Leases often require specific liability limits, additional insured wording and waiver of subrogation. Contractors need completed operations coverage. Restaurants need spoilage and equipment breakdown. We read your lease and key contracts before we quote so the certificate you send actually complies.
What a typical policy includes
General liability
Customer injuries, property damage and advertising injury claims against your business.
Business property
Equipment, inventory, furniture and tenant improvements at your location.
Business income
Lost income and continuing expenses while you are closed after a covered loss.
Equipment breakdown
Mechanical and electrical failure of HVAC, coolers, ovens and computers.
Hired and non-owned auto
Liability when employees drive their own cars for business errands.
Cyber and data breach add-ons
Notification costs and recovery after a data breach or ransomware event.
What affects your price
Carriers weigh these differently, which is exactly why comparing several of them pays off.
| Factor | Why it matters |
|---|---|
| Industry class | A consulting firm and a bakery carry very different risk. |
| Revenue and payroll | General liability is often rated on sales or payroll. |
| Property values | Equipment, inventory and improvements you own. |
| Building details | Construction type, sprinklers, alarms and age of the building. |
| Claims history | Prior losses over the last three to five years. |
From first call to coverage in about a day
Most personal policies can start within one business day. Commercial lines usually take three to five.
- 1
Tell us the basics
Five minutes online or on the phone. A photo of your current declarations page is plenty.
- 2
We shop the carriers
Your agent runs the same coverage across the carriers that write this line well.
- 3
Compare with an agent
A short call to walk through price, limits and the fine print that actually differs.
- 4
Bind and stay covered
We start coverage, send documents, and re-check it at every renewal.
Why clients buy business owners policy through Ironbridge
Contract review
We check lease and client contract insurance requirements before binding.
Certificates in hours
Request a certificate of insurance and receive it the same business day.
One agent for every line
BOP, commercial auto, workers' comp and umbrella coordinated together.
Annual exposure review
Revenue and payroll updated each year to avoid audit surprises.
Business owners policy questions
More answers in our full FAQ, or call an agent at (216) 555-0117.
No. In Ohio, workers' compensation is purchased through the Bureau of Workers' Compensation. We help you set that up and coordinate it with your BOP.
No. Errors in professional advice or services need professional liability, also called errors and omissions. We quote it alongside the BOP.
Yes. We add the landlord and send a compliant certificate, usually the same day.
Often paired with business owners policy
Commercial auto insurance
Vans, pickups and box trucks used for work, plus hired and non-owned auto liability.
Workers' compensation
Ohio BWC setup and guidance, plus employer's liability and stop gap coverage.
Umbrella insurance
An extra $1 million to $5 million of liability above your home and auto policies.
Compare business owners policy quotes today
One conversation, quotes from up to 14 carriers, and an agent who explains the trade-offs before you sign.
Licensed agents · No fee for advice · 4.9 from 1,284 reviews