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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.
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:
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
What Is the Average Cost of a Business Owner’s Policy?
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.
What Factors Influence the Cost of BOP Insurance?
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
What Is a BOP Insurance Premium?
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 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.