Business Owners Policy

A bundled policy combining property, liability, and business income coverage at a lower cost than purchasing each separately.

A Business Owners Policy, commonly called a BOP, packages commercial property, general liability, and business income coverage into a single, cost-effective policy. Harbor Point Insurance builds BOPs for Charleston's small and mid-sized businesses, including retailers, professional services firms, restaurants, and office-based operations. The BOP format simplifies your coverage and typically costs less than buying each component individually. We customize endorsements for the exposures that matter most in the Lowcountry, such as wind and hail deductibles, equipment breakdown coverage, and cyber liability for businesses handling customer data. If your business operates from a physical location in the Charleston area, a BOP is often the most efficient way to get comprehensive protection.

What's Included

Property and liability bundled
Business income coverage included
Cyber liability endorsements
Equipment breakdown options

Business Owners Policy Service Areas

We provide business owners policy services across the Charleston area and Lowcountry.

Frequently Asked Questions

What's the difference between a BOP and a standard commercial policy?

A BOP bundles property, liability, and business income into one policy at a discounted rate. Standalone commercial policies offer more customization but cost more. For most small businesses with straightforward exposures, a BOP provides excellent coverage at a better price.

Can I add flood coverage to my BOP?

Flood coverage must be purchased separately, either through NFIP or a private flood carrier. We coordinate your BOP and flood policy to ensure there are no gaps in your commercial coverage.