Business Owner's Policy (BOP)
Complete protection for your Indianapolis business in one affordable package. Bundling typically saves vs. separate policies.
What's Included in a BOP
Comprehensive coverage bundled together
General Liability
Covers third-party bodily injury and property damage claims
Commercial Property
Protects your building, equipment, inventory, and furniture
Business Interruption
Replaces lost income if you must close due to covered damage
Equipment Breakdown
Covers repair/replacement of mechanical and electrical equipment
Data Breach Response
Basic coverage for data breach notification costs
Product Liability
Protection if your products cause injury or damage
Industries We Serve
BOPs are ideal for these Indianapolis businesses
Retail Stores
Restaurants & Cafes
Professional Services
Contractors
Medical Offices
Salons & Spas
Repair Shops
Wholesalers
Coverage Options
Rates vary by carrier, industry, and your specific business needs. Request a quote for personalized pricing.
Starter BOP
For home-based & new businesses
- $300K General Liability
- $100K Property Coverage
- $25K Business Interruption
Growth BOP
POPULARFor established small businesses
- $1M General Liability
- $500K Property Coverage
- $100K Business Interruption
- Equipment Breakdown
Enterprise BOP
For growing businesses with employees
- $2M General Liability
- $1M Property Coverage
- $250K Business Interruption
- Cyber Liability Add-on
Frequently Asked Questions
Everything you need to know about BOPs
What is a Business Owner's Policy (BOP)?
A BOP bundles general liability and commercial property insurance into one convenient, cost-effective policy. It's designed for small to medium-sized businesses and typically costs less than buying coverages separately.
How much does a BOP cost in Indianapolis?
BOP pricing varies based on your industry, revenue, property value, and coverage limits. Contact Aurex for a personalized quote - we compare rates from multiple carriers to find you the best value.
What businesses qualify for a BOP?
Most small to medium businesses qualify for a BOP, including retail stores, restaurants, professional services, contractors, and medical offices. High-risk businesses (bars, manufacturers) may need separate commercial policies.
What's NOT covered by a BOP?
BOPs don't cover professional liability (errors & omissions), workers' compensation, commercial auto, employment practices liability, or cyber liability beyond basic data breach. These require separate policies.
Can I customize my BOP coverage?
Yes! While BOPs come with standard coverages, you can add endorsements for hired auto, inland marine, employment practices, and enhanced cyber coverage. Aurex will help you build the right package.
Protect Your Business Today
Get a customized BOP quote in minutes. We compare rates from multiple top-rated carriers.
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