Business Owners Policy (BOP)
Property and liability coverage bundled for small Minnesota businesses, from shops and offices to trades.
A business owners policy combines general liability and business property coverage into one package built for small operations. For many shops, offices, contractors, and service businesses in the northwest metro, it is the sensible starting point. Todd, a small-business owner himself, walks through what your business actually owns, what could interrupt it, and what you are on the hook for, then compares BOP options across carriers. You get coverage you understand from someone who knows what it is like to sign the front of a paycheck.
What's Included
- Liability and property in one policy
- Business interruption options
- Fit for shops, offices, and trades
- Multiple carriers compared
Business Owners Policy (BOP) Service Areas
Todd writes business owners policy (bop) across the northwest Twin Cities metro.
Frequently Asked Questions
What does a BOP typically include?
General liability, coverage for your building or business property, and usually business income coverage if a covered loss shuts you down. Todd tailors the details to your operation instead of selling a generic bundle.
Is a BOP cheaper than separate policies?
Often, yes, because carriers price the package for small businesses. Whether it is right for you depends on your operation, and Todd will show you both routes with real numbers.
My business is growing. When should I review my BOP?
At least once a year, and any time you add a location, equipment, employees, or a new line of work. A quick call with Todd is usually enough to know whether anything needs to change.
Other Services
Homeowners Insurance
Coverage matched to Minnesota houses: hail, wind, ice dams, and frozen pipes, with the deductibles explained in plain English.
Learn more →Personal Auto Insurance
Auto coverage for Minnesota driving: winter roads, deer on the county highways, and commutes on 494 and 169.
Learn more →Commercial Auto Insurance
Trucks, vans, and work vehicles covered properly, whether you run one pickup or a small fleet across the metro.
Learn more →