Business Owner’s Policy (BOP) – Simple, Complete Protection for Georgia Small Businesses
A straightforward way to protect your business property and liability under one affordable policy.
At The Elkins Agency, we help small businesses secure dependable Business Owner’s Policies (BOP) that bundle essential coverages into one simple package. It’s a smart, cost-effective way to protect your business without juggling multiple policies.
What Your BOP Should Cover
We break down what a strong BOP includes — and why it matters.
General Liability
Protects your business from claims involving injuries, property damage, or advertising issues. This is the foundation of your liability protection.
Commercial Property
Covers your building, equipment, inventory, and business contents from fire, storms, theft, and other covered losses.
Business Interruption
Reimburses lost income and extra expenses if a covered claim forces you to temporarily shut down or relocate.
Optional Add-Ons
Ask us about adding cyber protection, equipment breakdown, hired/non-owned auto, or tools & equipment coverage.
Why a Business Owner’s Policy Is Essential in Georgia
Two Core Coverages for One Affordable Price
A BOP bundles property and liability into one policy — often at a lower rate than purchasing them separately.
Designed Specifically for Small Businesses
Retail shops, offices, restaurants, service providers, and contractors all benefit from the simplicity and savings of a BOP.
Smooth, Straightforward Claims Experience
Having both liability and property coverage under one carrier helps make claims easier and faster to resolve.
Add-Ons That Matter
Smart extras that strengthen your BOP.
Cyber Liability
Protection from data breaches and online threats.
Equipment Breakdown
Covers mechanical/electrical failures.
Outdoor Signs
Covers exterior signage or awnings.
Tools & Equipment Coverage
Perfect for contractors and mobile service businesses.
Our Approach to Business Owner’s Policies in Atlanta, Georgia
Tailored to Your Industry
We structure your BOP based on the way you operate — whether you run a storefront, manage an office, or work in the field.
Support for New & Growing Businesses
If this is your first business policy, we walk you through what’s included, how limits work, and what add-ons truly matter for your operations.
Carrier Comparisons for Better Pricing
We compare multiple BOP carriers to help you get strong coverage at a fair price.
Local Guidance With Real-World Clarity
We explain coverage in simple, practical terms so you know exactly what your policy protects.
Frequently Asked Questions – Business Owner’s Policy (BOP)
Who qualifies for a BOP?
Small and midsize businesses in retail, office, professional services, hospitality, or contracting are typically eligible. We’ll help determine if a BOP is right for your setup
Does a BOP include workers’ compensation?
No. Workers’ comp is a separate policy. We can help you add it alongside your BOP.
Can I customize my BOP?
Yes. You can add cyber coverage, equipment breakdown, hired/non-owned auto, and more based on your needs.
How much does a BOP cost?
Pricing depends on your property value, industry, and location. Many small businesses pay significantly less with a BOP than buying property and liability separately.
Protect Your Small Business With a Comprehensive BOP
Your business deserves simple, dependable protection — all in one policy.