Business Owners Policy (BOP) for AZ small business.
General liability, building, contents and business income — bundled into one policy at a discount.
Arizona Business Owners Policy (BOP) — GL + property, bundled.
A BOP combines general liability with commercial property — your building (if owned), contents, equipment, and business-income coverage — into one streamlined policy at a discount. Designed for offices, retail, restaurants, professional firms and most light commercial operations.
What you get
- General liability + property in one policy
- Business income / extra expense coverage
- Equipment breakdown
- Hired & non-owned auto endorsement option
- Cyber and EPLI often available as add-ons
- Typically 10–20% cheaper than separate policies
What's typically covered.
General Liability
Same coverage as a standalone GL — third-party bodily injury, property damage, and personal/advertising injury.
Commercial Property
Your building (if owned), tenant improvements, furniture, equipment, inventory and electronics.
Business Income & Extra Expense
Pays lost income and ongoing expenses if you can't operate due to a covered loss — often the most overlooked coverage.
Equipment Breakdown
Sudden, accidental mechanical or electrical breakdown of equipment — HVAC, refrigeration, computers.
Why local matters.
BOPs are the right answer for most AZ small businesses under $1M–$5M revenue. We compare BOPs across Travelers, Hartford, Nationwide and CNA to find the best fit for your specific trade.
Common questions.
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