Business Owner’s Policy (BOP) Insurance
Oso Auto Insurance is an independent Insurance Agency based in Logan, Utah.
Business Owner’s Policy (BOP) Insurance
Running a small business is a big responsibility. At Oso Auto Insurance, we make it easy for you to protect what you’ve built with a Business Owner’s Policy (BOP) a simple package that combines key property and liability coverages into one affordable policy for small and mid-size businesses in Utah, Idaho, and Texas.
Whether you own a shop, manage a small office, or run a “main street” business, a BOP helps protect your business location, equipment, inventory, and your liability to customers all in one convenient policy.
What Is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy is a bundled commercial insurance policy created specifically for small to mid-size businesses. Instead of buying separate policies, a BOP combines several important protections into one:
Commercial Property Insurance
Helps protect your building (if owned), improvements, equipment, tools, furniture, and inventory from covered losses such as fire, theft, or certain types of weather damage.
General Liability Insurance
Helps protect your business if someone is injured at your premises or if you’re held responsible for damage to someone else’s property or certain claims related to your products or operations.
Business Income / Business Interruption
Can help replace lost income and cover ongoing expenses if your business has to temporarily close or slow down due to a covered property loss. suretybond.osoinsurance.com +1 A BOP does not typically include workers’ compensation, health insurance, or professional liability. Those can be added as separate policies if needed.
Who Is a BOP Right For?
A Business Owner’s Policy is a great fit for many small and mid-size “main street” businesses, including:
Retail shops & boutiques
Auto repair, body & paint, and tire shops
Small contractors & trade businesses
Restaurants, cafés, and food businesses
Professional offices (tax, insurance, consultants, real estate, etc.)
Salons, spas, and personal services
Small clinics and wellness centers
If your business has a physical location, equipment, inventory, or regular customer traffic, a BOP may be one of the most efficient ways to protect your property and liability at the same time.
What Can a BOP from Oso Auto Insurance Include?
Because Oso Auto Insurance is an independent agency, we work with multiple insurance carriers to tailor your BOP to your specific risks and budget. Coverage options can include:
Commercial Property
Building coverage (if you own the building)
Tenant improvements & betterments
Business personal property (equipment, furniture, office supplies)
Inventory & stock
Exterior signs (on-premises, where eligible)
General Liability
Customer slip-and-fall injuries
Damage to others’ property caused by your business
Products & completed operations (where available)
Legal defense costs for covered claims
Business Income & Extra Expense
Lost income after a covered claim (like a fire that forces you to close)
Ongoing expenses such as payroll and rent (subject to policy terms)
Extra expenses to operate from a temporary location
Optional Enhancements (Varies by Carrier)
Depending on your type of business and the insurance company, you may also be able to add:
Equipment Breakdown coverage
Data breach / cyber liability options
Employee dishonesty / crime coverage
Hired and non-owned auto liability (for employees using their own cars for business)
Outdoor property and signage enhancements
Coverage details, limits, and availability vary by state and carrier. Our team will help you understand what’s included and customize a package that fits your business.
Why Choose Oso Auto Insurance for Your BOP?
Independent advice
We’re not tied to just one insurance company. We compare coverage and pricing from multiple carriers for you.
Business-focused solutions
From BOPs and bonds to truck and general liability insurance, we help protect many aspects of your operation under one roof.
Bilingual service (English & Spanish)
Our team can assist you and your staff in the language you’re most comfortable with.
Main street business friendly
We understand small and mid-size businesses, especially local “main street” businesses that need practical, budget-friendly coverage.
Our mission is to help you feel safe, secure, and supported so you can focus on running your business with confidence.
How the BOP Quote Process Works
Tell us about your business
Share a few details about what you do, where you operate, and what you need to protect.
We shop multiple carriers for you
Our team compares Business Owner’s Policy options from different insurance companies to find coverage and pricing that match your needs.
Review your custom BOP package
We explain your coverages in clear, simple terms property, liability, and business income and help you choose limits and options that make sense for your business.
Ongoing support
Need to add a location, update coverage, or provide a certificate of insurance to a landlord or client? We’re here to help throughout the life of your policy.
STILL NOT SURE?
Frequently Asked Questions
Question 1: Is a BOP required by law?
A BOP itself isn’t required by law, but general liability and property insurance are often required by landlords, lenders, or contracts with clients. Many commercial leases require tenants to carry certain minimum limits and name the landlord as an additional insured.
Question 2: What’s the difference between a BOP and General Liability Insurance?
General liability protects against certain third-party bodily injury and property damage claims, but it doesn’t cover your own building, equipment, or inventory. A BOP combines general liability with commercial property and often business income coverage, giving more complete protection in one policy.
Question 3: Does a BOP include workers’ compensation or health insurance?
No. A BOP typically does not include workers’ compensation, health, or disability coverage. If you have employees, you’ll need a separate workers’ comp policy, and we can help you with that as well.
Question 4: How much does a BOP cost?
Pricing depends on several factors: your type of business, location, claims history, coverage limits, and the value of your property and inventory. We’ll gather basic information and then shop multiple companies to find competitive options for you.
READY TO GIVE US A TRY?
Get a Business Owner’s Policy Quote Today
Protect your business with coverage that’s designed for small and mid-size businesses like yours.
Click “Get a Quote” on this site, or
Call (435) OSO-SERV (435) 554-0181 to speak with our team, or
Use our online scheduler to choose a time that works for you.
At Oso Auto Insurance, we’re here to make getting the right BOP simple, fast, and affordable so you can focus on what matters most running your business.
Company Information
OSO Auto Insurance
418 N 175 E, Ste. 110-A
Logan, UT 84321, USA
E-Mail Address:
info @ osoinsurance.com
Contact Us
(435) 799-2900
(435) 554-0181
(833) OSO SERVice
Business Hours
Available Monday through Friday
9:00 AM to 5:00 PM
