One Policy. Two Essential Coverages. Built for Small Business.
A Business Owners Policy bundles general liability and commercial property insurance into one affordable package — protecting your business from lawsuits, property damage, theft, and lost income in a single policy.
The Foundation of Small Business Insurance
Every small business faces two fundamental risks: someone sues you, or something damages your property. A Business Owners Policy (BOP) addresses both in one affordable package — combining general liability insurance and commercial property insurance into a single policy that costs less than buying them separately.
Whether a customer slips and falls in your store, a fire destroys your inventory, or a burst pipe shuts down your office for weeks — a BOP covers the liability claims, property damage, and lost business income that would otherwise come out of your pocket. It's the most popular insurance product for small and mid-sized businesses for a reason: it's comprehensive, customizable, and cost-effective.
From restaurants and retail shops to offices, contractors, and service businesses — a BOP is the insurance foundation that protects your property, your liability, and your income. We help Midwest businesses find the right coverage at the best price.
Get a BOP Quote →Does your business have property or serve customers?
If you own or rent workspace, have equipment or inventory, or interact with customers — you need a BOP. It's the most affordable way to get essential business coverage.
Get a Free Quote →660-665-1687 · 660-754-1000
BOP Coverage Through Brawner
A BOP bundles essential coverages into one policy. Here's what's included and what you can add.
General Liability
Covers third-party claims of bodily injury, property damage, and personal/advertising injury. If a customer is hurt on your premises or your work damages someone's property, GL pays for medical bills, legal defense, and settlements.
Commercial Property
Covers physical damage to your building (owned or leased), furniture, equipment, inventory, and business personal property from covered perils — fire, wind, hail, lightning, vandalism, theft, and more.
Business Income / Interruption
Replaces lost income and covers ongoing expenses — rent, payroll, loan payments — if your business can't operate due to covered property damage. Keeps your business financially afloat during repairs.
Equipment Breakdown
Covers repair or replacement costs when essential equipment — HVAC systems, computers, production machinery, refrigeration — breaks down due to mechanical or electrical failure after the warranty expires.
Theft & Vandalism
Covers losses from burglary, robbery, and vandalism — protecting your inventory, equipment, cash on premises, and physical property from criminal acts. Essential for retail, food service, and any business with valuable on-site assets.
Customizable Endorsements
Add cyber liability, hired/non-owned auto, spoilage coverage, signs & glass, accounts receivable, electronic data, and more. We tailor your BOP with endorsements that match your industry's specific risks.
Medical Payments
Pays medical expenses for someone injured on your business premises — regardless of fault. Covers smaller injury claims quickly to avoid lawsuits, typically up to $5,000 or $10,000 per person.
Products & Completed Operations
Covers liability claims arising from products you sell or services you've completed — if a product injures someone or a completed job causes damage after you've left the site.
Let's build the right BOP for you.
We assess your industry, property, and risk profile to build a customized BOP with the right coverages and limits.
Talk to an Agent →