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BOP: Big Protection in a Single Policy
A Business Owners Policy (BOP) can combine general liability, commercial property, business interruption coverage, and many others into one cost-effective package, saving you money while protecting your business from multiple risks.
Many business owners overpay by purchasing these coverages separately or leave gaps that could cost thousands.
At Trailstone, we tailor your BOP to match your industry, location, and specific risks, so you get the right protection without paying for what you don’t need
Why a Business Owner’s Policy Works Harder for You
A Business Owner’s Policy combines essential coverages into one package so you can protect your business without juggling multiple policies. It is designed to cover the risks most small and midsized businesses face every day.
It covers your property and your income
If a fire, theft, or storm damages your building, equipment, or inventory, your BOP helps repair or replace them and can cover lost income while you recover.
It protects you from liability
If a customer is injured on your premises or your business causes damage to someone else’s property, liability coverage can handle the legal costs, medical bills, and settlements.
It simplifies your insurance
Bundling property and liability coverages in one policy can save money, reduce paperwork, and make your insurance easier to manage.
Trusted Workers’ Comp Carriers We Partner With
Trailstone Insurance Group works with some of the most respected workers’ compensation carriers in the industry. These partnerships give our clients access to competitive rates, comprehensive coverage, and proven claims support, so your team stays protected and your business stays compliant.
Progressive
Known for customizable small business coverage, Progressive’s BOP options can be expanded to include cyber, equipment breakdown, and other critical protections.
AmTrust
Specializes in affordable BOP coverage for small to mid-sized businesses, offering flexible payment plans and responsive claims service.
Liberty Mutual
Delivers industry-specific BOP coverage backed by proactive loss prevention tools and dedicated claims handling.
Auto-Owners Insurance
Works through independent agents to deliver personalized BOP coverage with local expertise and hands-on claims support.
Berkshire Hathaway Guard
Known for competitive BOP pricing and customizable protection that can include property, liability, and income coverage in one policy.
Travelers
Provides comprehensive BOP solutions with strong risk management resources and flexible endorsements to adapt as your business grows.
Nationwide
Provides BOP coverage that can be tailored with specialized endorsements, making it easy to protect both your physical assets and day-to-day operations.
Secura Insurance
Offers flexible BOP policies with competitive rates and strong protection for property, liability, and lost income.
The Hartford
Offers customizable BOP packages that combine property, liability, and business interruption coverage, with options tailored to your industry’s unique risks.
The BOP Myth That Costs Business Owners the Most
Some business owners think a Business Owner’s Policy is only for large companies with big budgets. The truth is, BOPs are built for smaller businesses that still need serious protection.
- Even a short business interruption can lead to lost revenue you never recover
- Property damage from a single event can shut down operations for weeks
- Without liability coverage, one lawsuit can wipe out years of work.
- The right BOP is affordable, customizable, and built to keep your doors open no matter what happens. Waiting until after an incident to get coverage is a risk most businesses do not survive.
Our Simple process
Your Path to the Best BOP Insurance
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
We Listen First
You want to protect your business, but you’re not sure where to start. That’s where we come in.
Because before we can protect your business, we need to know your business.
Let Us Do The Heavy Lifting
You stay focused. We handle the details. You’ll receive real options built around your needs, not just your business type.
With access to 100+ carriers and strong industry relationships, we deliver quotes tailored to your business.
Clear, Comparable Options
We explain how each policy works with real claim examples, share our honest recommendation, and answer every question on the spot.
You’ll know exactly what you’re buying and why.
Switch With Confidence. We’ll Handle the Rest.
You choose the coverage, we handle the rest. From final negotiations to certificates.
When you have a question, we’re here to help.
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