General liability
A customer gets hurt or you damage someone's property. This covers their bills, the repairs, and any lawsuits that follow.
Business owner's policy
insurance for growing companies.
A business owner's policy is the simplest way to cover the essentials. It bundles general liability, commercial property, and lost income, protecting you from the most common risks your business faces.
Types of Coverage
What does business owner's policy cover?
The core protections included, explained in plain terms — and when each one kicks in.
A customer gets hurt or you damage someone's property. This covers their bills, the repairs, and any lawsuits that follow.
Fire, theft, or weather damages your space, equipment, or inventory. This pays to repair or replace it.
A covered event forces you to close for a while. This replaces the income you lose and keeps up with bills like rent and payroll.
Commercial property
Fire, theft, or weather damages your space, equipment, or inventory. This pays to repair or replace it.
Business interruption
A covered event forces you to close for a while. This replaces the income you lose and keeps up with bills like rent and payroll.
Who it's for
Who needs a business owner's policy?
If your business has a space, equipment, or inventory to protect, you need more than liability alone. A business owner's policy bundles your coverage to save you money, whatever your size or industry.
Small businesses
Running your own business means you've got enough on your plate.
Wholesalers
Manufacturers
Retailers
Construction Companies
Restaurants
Bars
Laundromats
Real Estate Agencies
Lawyers
Auto Services
Architects
Dentists
Doctors
Hotels
Farmers
Startups
Ecommerce
Small businesses
Running your own business means you've got enough on your plate.
Startups
Ecommerce
Why us
Why work with Coverdash?
Tailored coverage from the nation's leading insurers, competing to save you up to 40%. From quote to coverage in clicks, not weeks.
Total transparency
See real quotes and real prices from top-rated insurers, side by side. No hidden terms, no jargon, no surprises at renewal.
Fully digital
Quote, buy, and manage all your coverage online. Download documents, make changes, and add policies anytime, instantly.
A dedicated advisor
Every policy comes with a dedicated advisor who knows your business and grows with you, from your first quote through every renewal.
Total transparency
See real quotes and real prices from top-rated insurers, side by side. No hidden terms, no jargon, no surprises at renewal.
Fully digital
Quote, buy, and manage all your coverage online. Download documents, make changes, and add policies anytime, instantly.
A dedicated advisor
Every policy comes with a dedicated advisor who knows your business and grows with you, from your first quote through every renewal.
Complete your coverage
What other business insurance do you need?
A business owner's policy covers the essentials, but not everything. Here's what businesses commonly add.
General Liability
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
General liability and property coverage bundled, usually for less than buying them apart.
General Liability
Covers third-party claims for bodily injury, property damage, and personal injury.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, and weather damage.
Business Interruption
Replaces lost income when a covered event forces you to temporarily close.
Equipment Breakdown
Covers repair or replacement when essential equipment fails unexpectedly.
Required in nearly every state the moment you hire.
Medical Expenses
Covers the cost of treating work-related injuries and illnesses for your employees.
Lost Wages
Provides a portion of an injured employee's wages while they're unable to work.
Disability Benefits
Pays long-term benefits for employees who can no longer work due to a work-related injury.
Employer Liability
Protects you if an employee sues over a workplace injury not covered by workers' comp.
Coverage for the vehicles your business owns or uses.
Third-Party Injury & Damage
Covers injuries or property damage your business vehicle causes to others.
Physical Damage
Covers repairs to your vehicle after a collision, theft, or weather event.
Medical Payments
Covers medical costs for you and your passengers after an accident.
Uninsured Motorist
Protects you when an at-fault driver has no insurance or too little.
Protection when your work or advice is called into question.
Errors & Omissions
Covers claims that your work, advice, or services caused a client financial harm.
Defense Costs
Pays legal fees to defend you even if the claims against you are groundless.
Settlements & Judgments
Covers court-awarded damages or negotiated settlements up to your policy limit.
Negligence Claims
Protects against claims that you failed to perform your professional duties adequately.
Protection when your data or systems are compromised.
Data Breach Response
Covers notification costs, credit monitoring, and crisis management after a breach.
Ransomware & Extortion
Pays ransom demands and remediation costs from ransomware attacks.
Business Interruption
Replaces income lost when a cyber attack forces your operations to stop.
Legal & Regulatory Defense
Covers attorney fees and fines stemming from data protection law violations.
We cover a lot more than the basics.
Explore the rest of the coverages we offer for small businesses.
Umbrella / Excess
Commercial Property
Product Liability
Liquor Liability
Commercial Crime
Inland Marine
Management Liability
Employment Practices
50 K+
Policies Sold
40 +
Top Rate Insurers
2.5 K+
Industries Covered
Trusted by 40+ leading carriers
As seen in 
Frequently asked questions
Business Owner's Policy insurance FAQs
We're here to help answer any questions you might have about coverage.
General liability only covers third-party claims (injuries, property damage, advertising injury). A BOP includes general liability PLUS commercial property insurance — covering your own physical assets — and often business interruption coverage. A BOP is almost always more cost-effective than buying these separately.
BOPs are designed for small to medium-sized businesses with revenues typically under $5 million. Eligibility depends on your industry, location, and premises. Some higher-risk industries (like construction) may not qualify and need separate policies instead.
Standard homeowners insurance does not cover business property or liability. A BOP can cover your business assets and liability even if you work from home, though coverage details vary by carrier.
Yes, many carriers offer professional liability (E&O) as an endorsement on a BOP. However, if your business has significant professional liability exposure, a standalone E&O policy often provides broader and higher limits.
“Outstanding experience all around. They were thoughtful, efficient, and delivered exactly what I needed for my company’s insurance and no upselling, just straightforward guidance. Would absolutely work with him again.”
Patrick S.
“I found them while searching for new commercial insurance. They are fantastic. The one thing that is most important is communication. They do a great job with communicating everything with us, along with trying to find us the best deal possible. I would recommend Coverdash to others.”
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Bonnie M.
“What a good experience . I had been unsuccessful in trying to get General liability for my business . They were very professional and tireless in getting two bids for me .They were patient with my struggles trying to navigate the technical end of things telling me they would help me every step of the way and they did just that ..even reading the exclusion to me .. They were patient in explaining all the terms I did not understand and sent copies of everything . They were prompt to respond to my calls and I will definitely use them again for all my insurance needs.”
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“I reached out to Coverdash for assistance with a COI, they were responsive and helpful throughout the process. I appreciate all their efforts to get a COI that suited my needs.”
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