Bundled Coverage for Small Business Peace of Mind
A Business Owner's Policy (BOP) combines two of the most essential commercial coverages—general liability insurance and commercial property insurance—into one affordable package. It's the smart choice for small businesses that need protection from both lawsuits and physical damage. At Wizard Insurance, we build custom BOPs for companies across California, Texas, Arizona, Colorado, Tennessee, and Nevada, helping business owners protect their work, their space, and their future.
Get the coverage your business needs—all in one plan.
What a BOP Covers
General Liability Protection
Includes coverage for third-party bodily injury, property damage, personal injury, and more—helping protect against everyday claims and accidents.
Commercial Property Insurance
Protects your building, signage, furniture, and equipment from damage caused by fire, theft, vandalism, or weather events.
Business Interruption Coverage
Reimburses lost income if your business is forced to close temporarily due to a covered property loss—so you can recover and reopen with confidence.
Equipment Breakdown
Optional add-on coverage for essential business equipment—ideal for operations relying on refrigeration, electronics, or machinery.
Tenant & Landlord Requirements
BOPs often satisfy lease obligations and landlord insurance requirements, making them an efficient solution for commercial tenants.
Optional Endorsements
Customize your plan with extra protections like cyber liability, crime insurance, or outdoor signage coverage based on your industry and risk profile.
Why Choose a Business Owner's Policy?
A BOP simplifies your insurance by bundling key protections into one streamlined policy. For many businesses, this means cost savings, easier claims processing, and less paperwork. At Wizard Insurance, we help you build a BOP that matches your industry, location, and size—whether you run a storefront in California or a service company in Texas. With A+ rated carriers, clear guidance, and multi-state licensing, we make small business insurance refreshingly simple.
Bundle Up and Stay Covered
Protect your people, property, and peace of mind with a Business Owner's Policy designed around your business.
Let's build a BOP that works for you.