Insurance and Leads

Business Owners Policy (B.O.P)

Contractor Insurance

Throughout the Twin Cities Metropolitan area and Western Wisconsin

The word Policy

What is a Business Owners Policy (B.O.P)?

A Business Owners Policy, or B.O.P, is an all-in-one insurance package designed to cover the essential needs of your business.

It combines General Liability Insurance, Property Insurance, and Business Interruption Insurance into one convenient and cost-effective policy.

Think of it as the ultimate protection plan for your contracting business.

A young handyman smiles at the camera as he holds his tool belt.

Why contractors need a B.O.P?

Contractors encounter a variety of risks every day. Here’s why a B.O.P is a must-have:

  • Comprehensive Coverage: Get the best of multiple insurance policies in one package, ensuring all aspects of your business are protected.

  • Cost Effective Solution: Save money by bundling your insurance needs into a single policy rather than purchasing separate coverages

  • Simplified Management: With a B.O.P, you only have to manage one policy and one renewal date, making your life easier and more organized.

Benefits of a B.O.P

  • Financial Security: Protect your business assets and income from potential losses.


  • Peace of Mind: Focus on your projects knowing that your business is safeguarded against a variety of risks.

  • Enhanced Professional Reputation: Show clients and partners that you are a responsible and well-protected contractor.

Electric saw in workshop of carpenter

What's covered?

  • General Liability: Covers legal fees and damages if someone is injured or property is damaged due to your work.

  • Property Insurance: Protects your business property, including tools, equipment, and office space, from damage or theft.

  • Business Interruption Insurance: Provides financial support if your business operations are halted due to a covered event, helping you cover lost income and ongoing expenses.

Real Life Scenarios

Picture this: a fire damages your office, halting your business operations. Or, while on a job site, expensive equipment is stolen.

In these scenarios, a B.O.P ensures you’re covered for property damage and loss of income, keeping your business afloat.

Here’s what some of our clients have to say:

“When a fire disrupted our operations, the Business Interruption Insurance in our B.O.P helped us recover quickly without financial strain.”

“Having our tools stolen was a nightmare, but our B.O.P covered the loss and got us back to work in no time.”

Get An "Apples to Apples" Insurance Quote


We verify current premiums, limits, coverages, deductibles, and declaration pages from all your commercial policies in just a few seconds.


We will reach out to you after we have verified your insurance to learn about your business needs and verify your current coverages.


We prepare your new insurance quote and present to you over the phone, in person or we'll email it to you. Your choice!


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