Business Owner's Policy (BOP)
A Business Owner's Policy combines general liability with commercial property coverage in one cost-effective package — covering your laptops, monitors, servers, and office contents against theft, fire, and damage.
Business Owner's Policy for Web App Companies
A BOP is the efficient way for a small-to-midsize software company to buy core coverage. It packages general liability with commercial property — protecting both your third-party liability and your physical assets (the laptops, monitors, networking gear, and office contents your team works on) in a single, discounted policy.
What's Covered
- Commercial property: Laptops, monitors, servers, and office equipment against theft, fire, and damage
- General liability: Third-party bodily injury and property damage (bundled in)
- Business personal property: Furniture, fixtures, and contents at your office
- Business income (optional): Lost income if a covered property loss shuts your office
Why a BOP Fits Software Companies
Your most valuable physical assets are portable and expensive — a team's worth of laptops can be stolen in one office break-in. A BOP covers that equipment and your liability together, usually for less than buying each separately. It's the practical foundation a digital business builds its program on.
What a BOP Doesn't Cover
A BOP handles property and general liability — it does *not* cover your professional/technology exposure or a data breach. Those require tech E&O and cyber liability. We build the BOP as your base and layer the tech-specific coverages on top.
What's Covered
Frequently Asked Questions
A BOP covers your physical property and general liability. Tech E&O covers financial losses from your software failing. They cover completely different risks — a software company typically carries a BOP as its base and adds tech E&O and cyber on top.
Yes — the commercial property portion of a BOP covers your laptops, monitors, and equipment against theft, fire, and damage, which is a real exposure given how portable and valuable a software team's gear is.