Startup Coverage
Business Owner's Policy (BOP).
A Business Owner's Policy bundles General Liability and Commercial Property coverage into a single, cost-efficient policy — making it the ideal foundation for startups with an office, equipment, or inventory to protect. Many BOP carriers also allow cyber liability and professional liability endorsements to be added, creating a comprehensive base program at a lower combined premium than standalone policies.
Business Owner's Policy (BOP) for Early-Stage Startups
A Business Owner's Policy bundles General Liability and Commercial Property coverage into a single, cost-efficient policy — making it the ideal foundation for startups with an office, equipment, or inventory to protect. Many BOP carriers also allow cyber liability and professional liability endorsements to be added, creating a comprehensive base program at a lower combined premium than standalone policies.
How OnePark Risk Helps
OnePark Risk identifies BOP-eligible carriers whose policy forms are written broadly enough to satisfy enterprise vendor and landlord requirements. We evaluate your revenue, employee count, and physical footprint to determine whether a BOP or a standalone GL-plus-property structure better fits your stage — and we review the BOP's exclusions to flag any gaps that require separate endorsements or standalone policies.
What a BOP Typically Covers
- Third-party bodily injury and property damage liability
- Business personal property including computers and equipment
- Business interruption and extra expense after a covered loss
- Hired and non-owned auto liability endorsement option
- Optional cyber liability endorsement for data breach costs
- Optional professional liability endorsement for service errors