Business Owners Policy (BOP) for Florida Businesses

Two essential coverages bundled into one affordable policy. OakLine helps Florida small businesses get a BOP that covers more — for less.

The Smart Coverage Bundle for Small Businesses

A Business Owner's Policy combines General Liability and Commercial Property into one policy at a lower cost than buying them separately. It's designed for small to mid-sized businesses that need solid foundational coverage without paying for multiple separate policies.

  • General Liability coverage included

  • Commercial Property coverage included

  • Business interruption coverage

  • Often cheaper than buying coverages separately

Who Should Get a BOP?

Protects your. inventory, storefront, and customers

Equipment, property, and customer liability in one

Offices, consultants, and service-based businesses

Clinics, practices, and medical offices

Brokerages and property management firms

With a physical office or storage location

Why Businesses Choose OakLine

Trusted guidance. Personalized coverage.

Long-term protection for what matters most.

Independent Advantage

We compare multiple carriers to help you find the right protection.

Personalized Advice

Every client has different needs. We tailor coverage to your goals.

Responsive Support

Questions, policy changes, and claims assistance when you need us.

Built for the Long Term

We focus on lasting relationships, not one-time sales.

Common Questions

What does a BOP include?

A standard BOP includes two core coverages — General Liability, which covers third-party bodily injury and property damage claims, and Commercial Property, which covers your building, equipment, and inventory. Most BOPs also include Business Interruption coverage, which pays your lost income if a covered event forces you to temporarily close.

Who qualifies for a BOP?

BOPs are designed for small to mid-sized businesses. Most carriers look at your industry, revenue, number of employees, and building size to determine eligibility. Not all industries qualify — higher-risk businesses like contractors or manufacturers may need separate policies instead. We'll let you know if a BOP is the right fit for your business.

What's the difference between a BOP and General Liability?

General Liability only covers third-party injury and property damage claims. A BOP includes General Liability plus Commercial Property coverage and Business Interruption — all in one policy at a bundled rate. If you have a physical location or business property to protect, a BOP is usually the better value.

Does a BOP cover my employees?

No — a BOP doesn't include Workers' Compensation or Employment Practices Liability. Employee injuries require a separate Workers' Comp policy, which is required by Florida law for most businesses with employees.

How much does a BOP cost in Florida?

Most small businesses pay between $500–$3,000 per year depending on your industry, revenue, location, and property value. Because it bundles multiple coverages, a BOP is almost always cheaper than buying General Liability and Commercial Property separately. Get a free quote and we'll find you the best rate.

Ready to Protect Your Business?

Get a personalized quote from OakLine Insurance today.