Commercial Insurance

One policy, built for small and mid-size Gallatin Valley businesses.

A Business Owners Policy bundles general liability and commercial property into a single, often more affordable package, built for the kind of business that doesn’t need a dozen separate policies.

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The Basics

Why a BOP is often the simplest starting point.

A BOP combines two of the most common coverages, general liability and commercial property, into one policy, typically at a lower combined cost than buying each separately.

It’s designed for small to mid-size businesses with straightforward exposures: a storefront, an office, a small crew. Larger or higher-risk operations may still need additional standalone coverage alongside it.

Bundles general liability and property coverage into one policy
Typically more cost-effective than separate policies for qualifying businesses
Can include business income coverage for interruptions
Simplifies renewals and claims with a single carrier relationship

Good Fit For

• Retail shops and boutiques
• Small offices and service businesses
• Restaurants and cafes
• Independent contractors with a storefront or shop

What’s Included

Core protections under a BOP

General Liability

Third-party bodily injury and property damage protection bundled into the package.

Commercial Property

Coverage for your building, equipment, and inventory against covered perils.

Business Income

Replaces lost revenue if a covered event forces a temporary shutdown.

Equipment Breakdown

Optional coverage for mechanical or electrical equipment failure.

Data Breach Add-On

Available endorsements for cyber and data breach exposure.

Flexible Endorsements

Add coverage for specific risks like liquor liability or professional services as needed.

Common Questions

Business Owners Policy FAQs

Is a BOP right for every business?

It’s a strong fit for small to mid-size businesses with standard exposures. Larger operations, contractors with higher liability needs, or businesses with specialized risk may need additional or separate coverage.

Can I add coverage to a BOP later?

Yes. Endorsements can be added for specific exposures like cyber liability, liquor liability, or additional equipment coverage as your business grows.

How is a BOP different from buying GL and property separately?

The coverages are the same, but bundling them in a BOP is often priced more favorably and simplifies your renewal to a single policy and carrier.

Let’s talk about your business owners policy coverage.

Belgrade-based advisors who know Montana business risk, ready to help.

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