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A Business Owners Policy — built for Michigan small business
Most Michigan small businesses start their commercial insurance with a Business Owners Policy (BOP): General Liability and Property coverage bundled in one package. Add workers' comp, commercial auto, cyber, and EPLI as the business grows.
Watch
Business insurance basics in about a minute
In about a minute, this video covers the building blocks of business insurance and why choosing the right mix is one of the most important decisions an owner makes.
- Property insurance helps protect your building and business property from events like storm damage.
- General liability can respond when a customer is injured on your premises, like a slip and fall.
- Workers' compensation is typically required in Michigan once you have employees.
- Commercial auto covers vehicles used in the business.
- Commercial umbrella adds liability protection above the limits of your underlying policies.
Beyond the basics, risks like cyber liability and employment practices liability are worth a conversation as your business grows. Because every operation is different, an independent agent can put together flexible options that fit your situation. Coverage is subject to underwriting, so contact a local agent for a quote.
What a BOP can cover
Coverage and limits depend on your operations and carrier. All coverage subject to underwriting.
- General liability (third-party bodily injury and property damage)
- Commercial property (your building and contents)
- Business interruption / loss of income
- Products / completed operations
- Personal and advertising injury
- Optional endorsements: cyber, EPLI, equipment breakdown, hired/non-owned auto
Businesses we typically write
- Retail and service shops on Michigan main streets
- Restaurants, taverns, and food trucks
- Lodging, hospitality, outfitters, and campgrounds
- Trades and contractors (often paired with builders risk and workers' comp)
- Religious institutions, nonprofits, and event venues
- Beauty, barber, and personal-care businesses
Business Owners Policies, answered
What is a Business Owners Policy (BOP)?
A BOP bundles the core coverages most small and mid-sized businesses need — general liability plus commercial property — into one convenient, often cost-effective package. You can add endorsements like cyber, EPLI, equipment breakdown, and hired/non-owned auto.
What does a BOP cover?
Typically general liability (third-party injury and property damage), your building and contents, business interruption or loss of income, and products/completed operations. Coverage is tailored to your business and subject to underwriting.
Does my business need a BOP or separate policies?
It depends on your size and risk. Many small to mid-sized Michigan businesses fit a BOP, while larger or higher-risk operations may need standalone or specialized policies. A local agent who writes your industry can point you the right way.
What isn’t covered by a BOP?
A BOP usually excludes things like workers’ compensation, commercial auto, and professional liability — those are added separately. We help you build the full picture so there are no gaps.
How much does business insurance cost?
It varies by industry, revenue, property values, and coverage limits, so there’s no single price. As an independent agency, we shop our carrier panel to fit your budget. Coverage and pricing are subject to underwriting.
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Talk to an agent who writes your industry
We will gather a few details and shop the right BOP for your operation.