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Business Owner’s Policy


Insuring California Business Owners and Their Businesses made simply.

Ideal for new business owners, a business owners policy, also known as “BOP insurance“, combines everything from property insurance, liability insurance, crime coverage and additional protection into one convenient package.

Business insurance is a necessity for even the smallest company in order to protect and maintain its overall financial health. At United Direct Insurance Services, we understand how important it is to protect your business in all areas and have the keen ability to find the exact liability coverage for your business.

Business owners insurance from United Direct offers coverage for businesses with fewer than 50 employees and less than $5 million in sales. office

The most Common BOP coverage includes:

  • Property insurance: protects your building, equipment and inventory needed to run your business.
  • Business income insurance: covers any lost income if your business operations are suspended because of a covered loss.
  • Equipment breakdown insurance: protects your business if your equipment is damaged from power surges, mechanical breakdown, burnout or operator error.
  • Personal and advertising injury coverage: covers copyright infringement, libel and slander.
  • Bodily injury and property damage liability: covers those instances when your employees, products or services cause harm to other people or their property.
  • Medical payments coverage, which covers medical expenses resulting from injury to others on property you own or rent.
  • Rented vehicle coverage, which provides liability coverage for autos that you lease, hire or borrow.

Our agents/brokers plan to work with you long term. We understand that your small business owners insurance needs will constantly change over time, so our insurance agents have regular insurance reviews to make sure your business has the best protection possible at the most affordable price-point.

Business Owner’s Policy is the least expensive way to obtain the broadest insurance coverage for your business. While it is not advised for large businesses, BOP is recommended for many small businesses in a low risk business class. It offers a combination of general liability insurance and business personal property insurance coverage under one policy.

Some Businesses that can benefit from a BOP policy are:

  • Apartment Owners/Managers
  • Commercial Building Lessors
  • Consumer Service Business
  • Some Contractors
  • Garage Owners/Operators
  • Some Manufacturers
  • Office (medical, legal, financial)
  • Dry Cleaners/Coin Laundry
  • Restaurants
  • Retailers
  • Wholesalers

Contact us today for a free business owner’s policy insurance quote.