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Business Owners Package

Business owners package policy, commonly called a “BOP,” contains many of the insurance coverages needed by most small businesses. While these policies are not standard and there is great variation from one insurance company to the next, there are some common elements. The basic BOP offers business property coverage for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed for a small business. Notably they do not cover any workers compensation, professional liability or business vehicle coverage


This website provides a basic summary of the insurance products offered by Martin & Zerfoss. It is not a statement of contract and coverage may not apply in all areas. For a complete description of coverage, please read the insurance policy, including all endorsements.


Serving insurance needs since 1978.

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