General Business Owner's Policy (BOP)
Comprehensive Insurance for Small & Medium Businesses in Texas
Protect Your Business Assets, Operations, and Future with a Tailored Business Owner's Policy
At Dhuka Insurance, we understand that running a business is challenging enough without worrying about unexpected risks. Whether you own a retail shop, professional service firm, or light industrial business in Austin, Houston, San Antonio, or anywhere in Texas, our Business Owner's Policy (BOP) offers an affordable, all-in-one insurance solution that bundles your essential coverages — saving you time, money, and hassle.
What Is a Business Owner's Policy (BOP)?
A Business Owner's Policy (BOP) is a bundled insurance package designed specifically for small to medium-sized businesses. It combines the most common and critical coverages — typically General Liability, Commercial Property Insurance, and Business Interruption Insurance — into one convenient policy with discounted premiums compared to purchasing each coverage separately.
A BOP protects your business from a wide range of risks, such as:
- Property damage caused by fire, theft, or natural disasters
- Liability claims from customer injuries or property damage
- Loss of income if your business operations are interrupted due to covered events
- And much more, depending on your business type and policy add-ons
Why Do You Need a BOP?
- Affordable Comprehensive Protection - Bundling multiple coverages reduces your overall cost
- Simplified Management - One policy, one premium, and one renewal date — easier for your accounting and peace of mind
- Customizable - Add endorsements such as cyber liability, equipment breakdown, or professional liability to fit your business needs
- Required by Lease or Contract - Many landlords and clients require proof of a BOP to do business
- Peace of Mind - Focus on growing your business knowing you're protected from unexpected losses
Comprehensive business protection bundle
Complete Business Owner's Policy (BOP) Guide
Who Should Consider a Business Owner's Policy?
Our BOP is ideal for a broad range of businesses, including but not limited to:
- Retail shops and boutiques
- Restaurants and cafes
- Professional offices (consultants, accountants, architects)
- Light manufacturing and warehouse operations
- Health and wellness studios
- Service-based businesses like cleaning, landscaping, and personal care
If your business has fewer than 100 employees and annual revenues typically under $10 million, a BOP may be the perfect fit.
What Does a Typical BOP Cover?
1. General Liability Insurance
Covers third-party bodily injury, property damage, advertising injuries, and legal defense costs.
Example: A customer slips and falls in your store — your GL insurance helps cover medical costs and legal fees.
2. Commercial Property Insurance
Protects your physical assets — buildings, inventory, equipment, furniture — against covered perils like fire, theft, vandalism, and certain natural disasters.
3. Business Interruption Insurance
Covers lost income and operating expenses if your business must temporarily close due to a covered event, helping you stay afloat during downtime.
4. Optional Add-Ons & Endorsements
- Cyber Liability: Protection against data breaches and cyber-attacks
- Equipment Breakdown: Covers costly repairs or replacement of machinery and equipment
- Professional Liability (E&O): Protects against claims of errors, omissions, or negligence in your professional services
- Crime Insurance: Covers employee theft, fraud, or burglary
Why Choose Dhuka Insurance for Your BOP?
- Texas Expertise: Serving Austin, Houston, San Antonio, and beyond with knowledge of local regulations and risks.
- Flexible Payment Plans & Pay-As-You-Go Options: We help manage your cash flow with affordable monthly billing and seasonal payment options.
- Fast Quotes & COI Delivery: Get your Certificate of Insurance quickly to meet lease and contract requirements.
- Personalized Service: Dedicated agents who understand your business and speak English and Spanish.
- Competitive Pricing & Transparent Terms: No hidden fees, clear coverage explanations, and ongoing support.
Real-World Examples Where a BOP Helped
| Incident | Coverage That Helped | Outcome |
|---|---|---|
| Fire damaged inventory at a retail boutique | Commercial Property & Business Interruption | Business reimbursed for losses and income during repairs |
| Customer slipped and injured themselves in a café | General Liability | Medical and legal expenses covered, protecting business finances |
| Ransomware attack shut down a professional office's computers | Cyber Liability Add-On | Costs for data recovery and business interruption were reimbursed |
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Frequently Asked Questions (FAQs)
Q: Can I customize my BOP?
A: Absolutely. We work with you to add endorsements and adjust limits so your policy fits your specific business needs.
Q: Is a BOP required by law?
A: No, but many landlords, lenders, and clients require proof of insurance before signing contracts or leases.
Q: How much does a BOP cost?
A: Pricing depends on your business size, industry, location, and coverage limits. Small businesses often pay between $500 and $1,500 annually.
Q: Does a BOP cover employee injuries?
A: No, workers' compensation is a separate policy. We can help you get bundled coverage if you need both.
Q: How quickly can I get a Certificate of Insurance?
A: Usually same-day or next business day once your policy is active.