Business Owners Insurance

Protect your business with a business owner's policy.

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Business Owner Policy Insurance (BOP insurance)

A business owner's policy (BOP) combines property and liability insurance by packaging these coverages into a single insurance policy. BOP insurance helps cover claims of bodily injury or property damage and is often a good choice for small and medium-sized businesses, such as restaurants, wholesalers or retail shops.

Get your free business owner's policy quote, learn more about GEICO's business insurance, and see how we can help create a plan that works for your business.

What does BOP insurance cover?

The 2 main coverages provided in a BOP are liability and property coverages.

  • Product-related claims
  • Customer injury
  • Advertising injury
  • Commercial buildings
  • Movable property
  • Debris Removal
  • Loss of income and pollution cleanup as part of a covered loss
  • Policy endorsements that can extend coverage to cover exclusions
Business owner policy examples
  • Bodily injury or property damage liability (e.g., you spill water on a client's computer causing damage)
  • Defense costs for covered liability losses (e.g., libel and slander)
  • Protection for business furniture and equipment (e.g., chairs, desks, and computers)

Managing your policy is easy.

Managing your business is hard enough. That's why we've made it easy to keep up to date with your business owner's policy. We're here to help you make any necessary updates, because we know your business may change. Access your policy online or give us a call.

Who needs a business owner's policy?

Insurance for business owners may be beneficial for you if:

You have a building or property to protect. For example, your business' building or property is destroyed due to a covered loss, like a fire or theft. A BOP could help pay to repair or replace an owned building. It could also help replace destroyed personal business property, up to the limits you pick.

You want to protect your investments. For example, you get an email from a client, but you open it to discover that it contains a virus. BOP insurance could help pay for restoring data due to harmful code that damages or destroys any part of your company's computer system.

You own a small business such as:
  • Auto service & repair
  • Commercial building & property owners
  • Professional offices
  • Restaurant Insurance
  • Retail store & services

Still have questions? We're here to help you. Still aren't sure if a BOP is right for your business? Feel free to contact us. Our licensed agents will walk you through the process.

What may impact the cost of a business owner's policy?
  • High exposure to risk
  • Claims history
  • High coverage requirements
  • Type of profession

Additional Coverages to consider with your BOP Insurance? GEICO can help.

  • General Liability Insurance (GL)

    This insurance covers your business operations, for things like:

    • Physical injury
    • Property damage
    • Personal and advertising injury to a third party

    This coverage can be a standalone product or included in a business owner's policy (BOP).

    Get a Quote

  • Professional Liability Insurance

    This provides coverage for:

    • Professional services you provide
    • Business advice you might give clients

    Also known as errors and omissions or E&O Insurance. Examples of companies that use this coverage include IT consulting, accountants, and architects.

    Get a Quote

  • Workers' Compensation Insurance

    This helps provide financial protection for job-related:

    • Accidents
    • Illnesses

    Get a Quote

  • Cyber Liability Insurance

    Protects businesses from losses from computer-related attacks, such as malware, phishing, ransomware, or stolen personal data.

    Get a Quote

Need to cover your business vehicles? GEICO can help.

Commercial Auto Insurance

This insurance covers vehicles used for business purposes, including:

  • Cars
  • Pickup trucks
  • Box trucks
  • Service utility trucks
  • Food trucks

GEICO does not currently offer insurance for semi-trucks and tractor-trailers.

Learn More

Why do you need commercial auto insurance?

Personal auto insurance does not always cover business use. Without commercial auto insurance, you're at risk of:

  • Having limited or no coverage for accidents
  • Paying out of pocket for repairs, injuries, and more
  • Losing your personal auto coverage

Many jobs and contracts require commercial auto insurance, which GEICO can provide.

Need to speak with us about BOP insurance coverage?

You can reach an agent at (800) 841-1621.

  • Mon – Fri
    8:00 AM – 9:00 PM (ET)
  • Sat
    9:00 AM – 5:30 PM (ET)

Business Owners Insurance: Get the answers you're looking for.

  • How can I manage my business owners insurance policy?
    Geico Insurance Agency has made it easy for you to speak directly with an insurance professional who can help you.
  • Do I need workers' compensation for my small business?
    Managing business is hard work. Let us help you learn more about workers' compensation insurance to determine if it is right for your business.
  • Do you sell other business insurance products?
    Yes! Whether you're a small business just getting started or looking for better insurance rates, GEICO can help. Answer a few short questions about your business so we can help narrow down the search with you.
  • Do you have any information about starting a new business?
    Sure, we do! Here's 6 smart tips about starting a new business.
  • Is there a GEICO local agent near me?
    We have GEICO Local Agents across the country ready to help you with your insurance needs. Find one near you
  • Is my small business properly covered?
    For most small businesses, general liability insurance is recommended. Beyond that, it depends on your unique situation, but you may also need workers' compensation, commercial auto, and/or professional liability insurance as well. Learn more about what insurance your business needs.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

For online quotes:

When you click on "START QUOTE" and "Start your quote now", we gather some pieces of information and you may be taken to the website of one of the insurance companies with which GEICO Insurance Agency, LLC works, which website is not owned or controlled by GEICO. Each insurer has sole financial responsibility for its own products. GEICO has no control over the privacy practices of these insurance companies and assumes no responsibility in connection with your use of their websites. Any information that you directly provide to one of these insurance companies is subject to the privacy policy posted on that insurer's website. All business products offered are written on an admitted basis. General Liability coverages are written through non-GEICO insurance companies and are secured through the GEICO Insurance Agency, LLC. The information you provide will be shared with our business partners so that they can return a quote. We can help you secure business insurance in all states except Hawaii.

Commercial auto coverage is underwritten by GEICO General Insurance Company. In some cases commercial auto coverage is provided through GEICO Insurance Agency, LLC, either under an arrangement with National Indemnity Company (NICO), a Berkshire Hathaway affiliate, or with non-affiliated insurers.

Other business insurance coverages are written through either Berkshire Hathaway affiliated or non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. We can help you secure business insurance in all states except Hawaii.

The information you provide will be shared with our business partners so that they can return a quote.