Business Owners Policy (BOP)
Property and liability basics bundled into one policy for small Minnesota businesses. Practical protection without the enterprise price tag.
A business owners policy packages the two coverages nearly every small business needs, commercial property and general liability, into one policy built for smaller operations. It fits the shop owner in downtown Buffalo, the home-based LLC in Champlin, and the contractor with a small office and a storage unit in Elk River. Todd walks through what the business actually owns, where it operates, and what could interrupt it, then shops multiple carriers for a BOP that fits. Business income coverage, equipment breakdown, and other practical add-ons get discussed in plain language, so you know what you bought and why.
What's Included
- Property and liability in one policy
- Business income and extra expense options
- Fits retail, office, trades, and home-based LLCs
- Reviewed annually as the business grows
Business Owners Policy (BOP) Service Areas
Todd writes business owners policy (bop) across the northwest Twin Cities metro.
Frequently Asked Questions
Is a BOP enough insurance for my small business?
For many small operations it is the right foundation, but not always the whole answer. Vehicles need commercial auto, employees trigger workers compensation, and some trades need coverage a standard BOP excludes. Todd maps what you have against what the business actually does.
I just formed an LLC for my side business. Do I really need a policy?
The LLC separates the business legally, but it does not insure anything. If the business has equipment, customers, or a physical space, a BOP is usually the simplest way to cover the basics, and premiums for small operations are often more reasonable than owners expect.
What does business income coverage actually do?
If a covered loss, like a fire or major storm damage, shuts the business down, business income coverage helps replace the revenue you lose while you rebuild and reopen. For a small business, that continuity coverage can matter as much as the property itself.
Other Services
Homeowners Insurance
Coverage for your house that reflects what it would actually cost to rebuild it in Minnesota, reviewed with you line by line.
Learn more →Personal Auto Insurance
Auto coverage built for Minnesota driving: deer on Highway 55, icy commutes, and liability limits that actually protect what you own.
Learn more →Commercial Auto Insurance
Coverage for work trucks, vans, and trailers. If the vehicle earns money, it needs a policy written for that job.
Learn more →