Commercial Excellence

Business Owner's Policy (BOP) in Florida

A business owners policy (BOP) built for small businesses in Fort Lauderdale, Broward County, and across Florida. Bundle liability and property in one cost-effective premium.

Start your applicationTalk to an agent

A strategic bundle for financial security

The Business Owner's Policy (BOP) is more than just insurance; it is a curated suite of protections. By combining General Liability and Commercial Propertyinto a single, cost-effective premium, we provide a foundation of trust for Florida's ambitious entrepreneurs.

verified

Cost Efficiency

Significantly lower premiums than standalone policies.

shield_with_heart

Seamless Claims

One contact, one carrier, zero friction for Florida business owners.

Core protections

Essential coverage

gavel

General Liability

Guard against third-party claims of bodily injury, property damage, and advertising injuries. Crucial for high-traffic Florida venues.

Liability Limit: $1M - $2M
domain

Building & Contents

Protection for your physical assets, including specialized equipment, inventory, and the architectural integrity of your office.

Replacement Cost Valuation
event_busy

Business Interruption

Covers lost income and operating expenses if a covered peril forces a temporary closure. Maintain payroll while we handle the recovery.

Standard: 12 Months Coverage
The Florida endorsement

Coastal-specific specialized add-ons

Florida presents unique risks. We don't just offer standard templates; we provide regional endorsements tailored to the Atlantic coast.

cyclone

Windstorm & Hurricane

Vital endorsements for high-velocity hurricane zones (HVHZ) across Florida.

lock_reset

Cyber Liability

Protection against data breaches and digital extortion for modern professional services.

Modern collaborative professional office space

Designed for Florida's pulse

We provide specialized risk assessment for the industries that drive Florida's economy.

restaurant

Restaurants

Spoilage coverage and liquor liability for Florida's world-class culinary scene.

shopping_bag

Retail Boutiques

Inventory protection for luxury storefronts across Florida's premier shopping districts.

work

Professional Offices

Equipment and valuable papers coverage for law firms, medical practices, and agencies.

FAQ

Frequently asked questions

Is a BOP enough for my business?expand_more
For most small to medium businesses, a BOP provides the core essentials. However, larger entities or those with high-specialized risks may require excess liability or Workers' Comp (which isn't included in a BOP). Our advisors can audit your risk profile.
How does it differ from separate policies?expand_more
The primary difference is convenience and cost. Bundling them into a single BOP typically results in a 15-20% discount compared to purchasing separate general liability and property policies from different carriers.

Secure your business legacy in Florida

Talk to a premier advisor today and receive a custom quote within 24 hours.

Request your proposalSpeak to an agent