How Much Does BOP Insurance Cost?

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small business owners feeling happy with their business owner's policy (BOP) cost

How Much Does a Business Owner’s Policy (BOP) Cost?

The average annual cost our customers paid for a Business Owner’s Policy (BOP) was $1,019, or about $85 a month.1 Remember, the cost for BOP insurance will vary because every small business is unique and has different needs. The best way to find out your BOP insurance cost is to get a quote.

Key Takeaways

  • The average cost of BOP insurance is $85 per month, or $1,019 per year.1
  • Factors that can affect your BOP insurance costs may include: the state your business is in, your industry, chosen policy limits, deductible amount and/or your number of employees.
  • You may be able to save on BOP insurance costs by raising your deductible, bundling policies, maintaining a good credit history and managing your risks.

How Much Does a Business Owner’s Policy Cost on Average?

The average cost our customers pay for a Business Owner’s Policy (BOP) is $85 a month, or about $1,019 annually.1 However, it's important not to compare your company's insurance rates to the average price because your coverage needs may be different. What you can expect to pay may be higher or lower than the average based on your business’ unique needs.

What Factors Affect the Business Owners’ Policy Cost?

Insurance companies consider many different factors when determining your price for a Business Owner’s Policy, including:

Industry and Risks

If your business is in an industry with higher risks, you can expect to pay more for business insurance. This is because your company is exposed to more risks, so you may need to have more liability or property coverage to help protect your business.

Property Value

The value of your business property can affect the cost of your BOP policy. Insurers consider all the property your company owns to determine your coverage limits to ensure you’re fully covered.

Business Location

Companies in populated areas may face a higher risk of crime or vandalism, which can increase insurance rates. In addition, if your business is in an area that experiences extreme weather, your insurance costs can be affected.

Coverage Needs

Some companies may need additional coverage. Bundling with other coverages, like commercial auto or professional liability insurance, may help save money on insurance costs.

Cantidad de empleados

Many insurers consider including number of employees to determine your cost for insurance. You may also need to get workers’ compensation insurance. Typically, the larger your team, the higher your insurance cost will be.


The deductible is the amount you’ll pay out of pocket before your insurance coverage is activated. Increasing your Business Owner’s Policy deductible may help lower your total insurance costs.

How Does My Industry Affect My Business Owners’ Policy Insurance Cost?

Insurance premiums will often vary between industries because each industry faces different risks. Although costs will vary, you can learn what certain industries pay on average for a Business Owner’s Policy (BOP) with The Hartford in the table below.
Industria Avg. Monthly Premium for a Business Owner’s Policy1
Business Consulting $86
Accountants $85
Ingeniería $107
Retail Stores $152
Restaurants $413
Manufacturers $115
Photographers $72
Beauty Salons $113
Barbershops $110

What Does BOP Insurance Cost in My State?

Insurance companies consider the state your business is located in when determining your cost for a Business Owner’s Policy. Depending on your location, insurance may cost more because you could be at a higher risk of property damage from issues like severe weather. In addition, some states have laws about required insurance coverages. Your state may require you to have commercial auto insurance or workers’ compensation insurance in addition to a Business Owner’s Policy.

How To Save on Business Owner’s Policy Costs

If you’re ready to get a Business Owner’s Policy (BOP), consider these ways to save money while getting the protection you need:
  • Bundle your policies
  • Pay your premium up front annually
  • Raise your deductible 
  • Manage your risks

Common Questions About BOP Insurance Costs

The average cost our customers paid for a Business Owner’s Policy was $1,019 annually, or about $85 a month.1 Remember, small business insurance costs will vary because every business has different needs. The best way to find out what you’d pay for a Business Owner’s Policy is to get a cita.
Insurance companies use several different factors to determine your cost for business insurance. What you’ll pay for BOP insurance can depend on factors, like:
  • The type of insurance you need
  • Your claims loss history
  • What industry you’re in
  • The number of employees you have
  • Your payroll
  • Your location
Your Business Owner’s Policy (BOP) insurance premium is the cost you’ll pay for coverage. Insurance premiums typically can be paid in full at the start of your policy period or through monthly payments. In exchange for your premium payment, your insurance company agrees to help protect your small business against covered financial losses.

Get a Quote for Small Business Insurance

The best way to find out your Business Owner’s Policy (BOP) cost is to obtener una cotización online. Or you can get a quote through your local insurance agency.
We’re an insurance company backed by more than 200 years of experience. Our specialists have the experience and knowledge to understand the unique risks your small business faces. Whether you have questions about business insurance or need help with a claim, we’ve got your back.
Última actualización: 4 de junio de 2024
1 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
Divulgaciones adicionales a continuación.
What Is A Business Owner's Policy video

What Is Business Owner’s Policy Insurance?

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one seguro de negocio policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. Business owner’s insurance also helps cover claims that could arise from your business operations. Aquí se incluyen las reclamaciones por lesiones corporales o daño a la propiedad. También incluyen reclamaciones relacionadas con daños personales o de publicidades.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.