Business Owners Package (BOP) Insurance — St. George, Utah
A Business Owners Package (BOP) is the most cost-effective way for small and mid-size businesses to get comprehensive protection. It bundles general liability and commercial property into a single policy — often with business interruption insurance included — at a lower combined premium than buying each coverage separately. Desert Crest Insurance works with Southern Utah's Main Street businesses to find the BOP that fits your industry and budget.
Coverage highlights
- checkGeneral liability for third-party bodily injury and property damage claims
- checkCommercial property coverage for your building and business contents
- checkBusiness interruption — replaces lost income if you must temporarily close
- checkEquipment breakdown coverage for HVAC, refrigeration, and machinery
- checkData breach and cyber liability endorsement (on many BOP programs)
- checkEmployee dishonesty / crime coverage
- checkHired and non-owned auto liability
Key benefits
Bundled savings vs. standalone policies
Purchasing general liability and commercial property together in a BOP is consistently less expensive than buying them as separate policies — and it simplifies renewal management to one policy and one renewal date.
Industry-specific BOP programs
Major carriers offer BOP programs tailored to specific business types — contractors, retail stores, offices, restaurants, habitational properties, and more. We match you with the program built for your industry.
Business interruption is often included
Standard BOP policies include business interruption coverage, which pays for operating expenses and lost revenue if a covered property loss forces you to temporarily cease operations. This is one of the most valuable and underappreciated coverages in a BOP.
Scalable as your business grows
Adding revenue, employees, or locations? We review your BOP at each renewal to ensure the policy grows with your business — catching underinsurance before a claim exposes the gap.
Frequently asked questions
What is a Business Owners Package (BOP)?
A BOP is a bundled commercial insurance policy that combines general liability, commercial property, and often business interruption coverage into a single contract. It was designed specifically for small and medium-sized businesses as a simpler, more affordable alternative to buying each coverage separately.
What types of businesses qualify for a BOP?
Carriers have their own eligibility rules, but BOPs are widely available for retail stores, offices, restaurants, service businesses, small contractors, and light manufacturing. Very large businesses, hazardous operations, or businesses with complex property portfolios typically need a commercial package policy (CPP) instead.
What is business interruption insurance and is it included in a BOP?
Business interruption (BI) insurance replaces lost net income and pays continuing operating expenses (rent, utilities, payroll) if a covered property loss — like a fire or vandalism — forces you to temporarily close. Most BOPs include a BI component, though coverage periods and limits vary.
Does a BOP cover my employees?
A BOP does not replace workers compensation, which must be purchased separately. Some BOPs include employee dishonesty/crime coverage as a built-in feature or available endorsement.
How much does a BOP cost for a small business in St. George?
Premiums depend on your industry, revenue, building value, claims history, and chosen limits. A small service business or office might pay a few hundred dollars per year; a restaurant or contractor will pay more. The best starting point is a no-pressure quote — we'll come back with real numbers from multiple carriers.
Can I add workers comp and commercial auto to my BOP?
Workers comp and commercial auto are typically separate policies, not BOP endorsements. However, we manage all of them together as your broker, so you have a single point of contact for your entire commercial insurance portfolio.
The smartest small-business coverage package in Southern Utah.
One call, three quotes, one renewal date. Let's build your BOP.