Business Owners Policy

What Is a Business Owner’s Policy?

A Business Owner’s Policy combines multiple coverages into one package, typically including:

General Liability Insurance
Covers third-party injury, property damage, and legal defense.
Commercial Property Insurance
Protects your building, equipment, and inventory from damage or loss.
Business Interruption Insurance
Helps cover lost income if a covered event (like a fire or hurricane) shuts down your operations.

A BOP makes sense for many businesses because it offers broad protection at a bundled rate, often saving you 15–30% compared to buying each policy separately.

Who Should Have a BOP?

A BOP is ideal for small to mid-sized businesses that:

Own or lease a commercial space
Have equipment, inventory, or customer data to protect
Interact with the public or clients
Want to simplify and reduce their insurance costs

Common businesses we serve with BOPs include:

Retail shops & boutiques
Restaurants & cafés
Offices & professional service firms
Medical & dental practices
Salons & spas
Light contractors & repair services

What Can Be Added to a BOP?

Your BOP can be customized with optional coverages like:

Workers’ Compensation
Commercial Auto Insurance
Flood or Windstorm Coverage (especially important in South Florida)
Cyber Liability Insurance
Employment Practices Liability (EPLI)
Equipment Breakdown Coverage
Spoilage or Inland Marine Insurance

Why Choose WayGuard Insurance Group?

We Are Independent
We shop top-rated carriers to find the right BOP for your business, not the one that pays us the most.
Local Miami Expertise
We know how to build policies that meet Florida requirements and stand up to hurricane season.
Custom Fit
No two businesses are alike—we tailor every policy to your industry, size, and risk profile.
Personalized Support
Talk to real local advisors who care about protecting your business, not call centers.

Get a Business Owner’s Policy Quote in Miami

Make business protection simple, affordable, and complete. Let WayGuard Insurance Group help you build a BOP that covers your essentials, so you can focus on growing your business.

Request a BOP Quote
Talk to a Local Advisor!

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