Business Owner’s Policy (BOP) in Texas

Bundle Your Business Insurance & Save

A Business Owner’s Policy combines multiple coverages into a single, streamlined policy designed for small to mid-size businesses. It’s efficient, cost-effective, and easy to customize.

GET A QUOTE

What’s Included in a BOP

Our Houston-area clients often choose:

General Liability Insurance

Covers customer injuries, property damage, and advertising-related lawsuits.

Commercial Property Insurance

Protects your building (if owned) and business contents from fire, theft, and vandalism.

Business Interruption Insurance

Covers lost income and operating expenses if a covered event temporarily shuts down your business.

Equipment Breakdown Coverage (Optional)

Covers repair or replacement of business-critical machinery and systems.

Crime Insurance (Optional)

Protects against employee theft, check fraud, and forgery.

Cyber Liability Endorsement (Optional)

Add protection for data breaches and cyberattacks.

 Business Owner’s Policy FAQs

  • What businesses qualify for a BOP?

    Retail stores, offices, restaurants, and small service businesses typically qualify.

  • Is a BOP cheaper than separate policies?

    Yes—bundling general liability and property typically saves you money.

  • Can I add workers’ comp or commercial auto to a BOP?

    Not directly, but we can help bundle them into a complete package.

  • Does a BOP include flood coverage?

    No—flood coverage must be purchased separately.

  • What’s the difference between a BOP and a CPP?

    A BOP is simpler and made for small businesses; a CPP (Commercial Package Policy) is more customizable and better for larger or more complex operations.

  • Can I change coverages mid-policy?

    Yes—many endorsements can be added as your business grows.

Bundle & Save

At DeShazo Insurance, we combine essential property and liability protection into one convenient policy. Whether you're running a retail shop or a professional service, we’ll help you get the coverage you need to keep your business secure.