Business Owners Policy (BOP) in Washington

Simplified Protection for Small and Mid-Sized Businesses

A Business Owners Policy, or BOP, combines essential coverages into one convenient package—making it a smart choice for small to mid-sized businesses that want broad protection without piecing everything together.



At Strategy Insurance Brokers LLC, we help Washington businesses build custom BOPs that fit their operations, industry, and risk level. Whether you run a retail shop, office, or service-based business, we’ll help you get coverage that works—without the guesswork.

What’s Included in a Business Owners Policy?

A BOP typically bundles these core coverages:

General Liability Insurance

Covers injuries, property damage, and legal claims resulting from your business operations.

Commercial Property Insurance

Protects your building, equipment, inventory, and more from fire, theft, vandalism, and other covered losses.

Business Interruption Insurance

Covers lost income and operating expenses if your business has to shut down temporarily due to a covered event.

Optional add-ons can include cyber liability, equipment breakdown, and more—based on your industry and risk profile.

Who Needs a BOP?

BOPs are ideal for small and growing businesses that need multiple types of coverage under one policy. We commonly write BOPs for:


  • Contractors & Trade Professionals
  • Retail Stores
  • Medical & Professional Offices
  • Auto Repair Shops
  • Small Manufacturers
  • Cafés & Service Businesses

Business Owners Policy FAQs

  • What’s the main benefit of a BOP?

    A BOP simplifies your insurance by combining essential coverages into one policy—often at a lower premium than buying them separately. It’s flexible, cost-effective, and easy to manage.

  • Does a BOP cover employees?

    No—workers compensation is a separate policy and not included in a standard BOP. We can help bundle that coverage into your overall insurance plan.

  • Can I add more protection to a BOP?

    Yes—depending on your needs, we can add endorsements for things like cyber liability, equipment breakdown, hired and non-owned auto liability, and more.

  • Is a BOP right for contractors?

    It can be. For many small contractors, a BOP provides an excellent foundation of liability and property protection. We’ll evaluate your specific needs to see if it’s the best fit.

  • Can a BOP be customized for my industry?

    Absolutely. We tailor every BOP to reflect your business size, operations, and risk profile—whether you’re a solo contractor or a growing team.

  • How do I get started with a BOP in Washington?

    It’s easy—just reach out. We’ll guide you through a quick review of your business needs and provide tailored quotes from multiple carriers.