the small-business starter kit.
A BOP bundles the three coverages nearly every small business needs — general liability, commercial property and business interruption — at a package price below the sum of its parts. It's where most Denver-metro businesses should start.
10+ carriers compared
business owners policy (bop), done right.
general liability
Customer injuries, property damage, advertising claims — the lawsuit basics.
commercial property
Your space, equipment, inventory and improvements, owned or leased.
business interruption
The fire closes you for two months; this pays the income and rent that don't stop.
good to know, colorado edition.
BOPs are for small-to-mid businesses with mainstream risks: shops, offices, restaurants, salons, light contractors. What a BOP never includes: workers comp, commercial auto and professional liability — we'll flag which ones your operation actually needs.
price it for me →
asked constantly.
What does a BOP cost?
Many small Colorado businesses land between $500–$2,000/year depending on industry, revenue and property values. One conversation about your operations gets you a real number.
Do I need a BOP if I work from home?
If clients visit, you carry inventory or equipment, or you'd suffer from downtime — probably. Homeowners policies exclude most business activity.
My landlord wants a COI by Friday.
Standard. We can quote, bind and issue certificates of insurance fast — same-day is normal, not heroic.
two minutes to real numbers.
Free business owners policy (bop) comparison across 10+ carriers — in English, Español, 한국어 or မြန်မာ.