One Simple Policy, Big Protection
Insurance shouldn’t be complicated. A Business Owners Policy (BOP) bundles the core coverages most small and midsize Texas businesses need—general liability, commercial property, and business interruption—in one affordable package. It’s ideal for offices, retail shops, clinics, and more. With a BOP, you get broad protection, package discounts, and peace of mind, all with one insurer and one bill.
What’s Included in a BOP
General Liability
Covers claims of customer injuries, property damage, and lawsuits
Commercial Property
Protects your building, equipment, and inventory from fire, theft, wind, and more
Business Interruption
Pays for lost income and expenses if you have to close due to a covered loss
Optional Add-Ons:
Data breach/cyber liability, equipment breakdown, crime coverage, and more—customize your BOP for your unique risks.
Common BOP Benefits
Cost savings vs. buying coverages separately (often 15–20% less)
Simple claims process—one insurer handles property and income losses together
Fewer coverage gaps and surprises—broad protection in one bundle
Easy to manage—one renewal, one bill, one point of contact
Who Qualifies for a BOP?
Most small to midsize Texas businesses—retailers, professional offices, clinics, food service, and more. If you’re a startup or growing company, chances are a BOP fits your needs. Some higher-risk or larger companies may need a custom commercial package policy (CPP) instead—Broken Spoke will advise the best fit.
A Real-World Example
A Main Street retail shop owner in Amarillo bundles coverage with a BOP:
The building and merchandise are covered if a fire hits
If a customer slips and falls, liability is handled
If a burst pipe forces you to close for repairs, business income is paid
All in one, with no surprise exclusions between policies.
How We Help You Choose
Broken Spoke Insurance specializes in BOP packages—reviewing your risks, recommending coverage limits, and comparing options from leading carriers for the best value. If you don’t qualify for a BOP, we’ll assemble a custom bundle that delivers similar protection.
Compare Your Options Clearly
| Scenario/Need | Commercial Property | General Liability | Property Policy | Custom Package (CPP) |
|---|---|---|---|---|
| Covers customer injury lawsuits | Yes | Yes | No | Yes |
| Covers building/equipment losses | Yes | No | Yes | Yes |
| Pays for lost business income | Yes | No | No | Yes (if included) |
| Package discount/one bill | Yes | No | No | Sometimes |
| Customizable for unique risks | Somewhat | No | No | Yes |
Not sure which is right? We’ll walk you through your options.
Your Questions, Answered Clearly
What is a Business Owners Policy (BOP)?
A BOP bundles the most common business coverages—liability, property, and income—into one simple policy.
Do I qualify for a BOP?
Most small and midsize businesses do; we’ll help you check eligibility.
Can I add cyber or equipment coverage?
Yes—many BOPs offer endorsements for unique risks.
BOP vs. general liability: what’s the difference?
General liability is just one part—BOP includes liability plus property and income coverage for more complete protection.
Is a BOP affordable?
Yes—package discounts mean you save compared to separate policies.
Bundle and Save—Get Broad Coverage in One Policy
Enjoy peace of mind, fewer hassles, and real savings with a Business Owners Policy from Broken Spoke Insurance. We’ll find the right fit for your business so you can focus on what matters.