Business Owners Policy (BOP) in New Jersey

Bundle & Save with a BOP Insurance Policy in NJ

Running a business means juggling a lot—your insurance shouldn’t be one of them. A Business Owners Policy (BOP) combines two of the most essential types of coverage—general liability and commercial property—into one simple, affordable package. Designed specifically for small and large businesses in New Jersey, a BOP offers core protection without unnecessary complexity or cost.

What Is a Business Owners Policy?

A BOP is a bundled policy that offers:

  • General liability insurance to protect against third-party injury and property damage claims
  • Commercial property insurance to cover your building, equipment, and inventory
  • Optional add-ons like cyber liability, crime coverage, and equipment breakdown insurance

It’s a straightforward, cost-effective solution for small businesses that want comprehensive coverage—without managing multiple policies.

What Does a BOP Cover?

With a Business Owners Policy, you’re covered for:

  • Third-party injury or property damage (e.g., customer slips and falls)
  • Damage to your business property from fire, theft, vandalism, or storms
  • Loss of business income due to a covered event (optional)
  • Equipment and inventory replacement

You can also tailor your policy with industry-specific endorsements or coverage extensions based on your risk profile.

Is a BOP Right for You?

A Business Owners Policy is ideal for many NJ businesses, including:

  • Retail stores and boutiques
  • Professional offices and consultants
  • Service providers, salons, and studios
  • Small food service or hospitality businesses

To qualify, businesses typically must meet certain employee and revenue thresholds, which we’ll help you navigate. If you’re looking for core protection in one package, a BOP is likely your best next step.

Why Choose Keller Insurance?

At Keller Insurance Services, we take the guesswork out of coverage. When you work with us, you get:

  • Tailored BOP coverage based on your specific risks
  • Clear explanations—you’ll know exactly what’s included
  • Fast quotes and efficient policy setup
  • Local NJ support from a team that understands your business environment

We’re here to simplify your insurance—and support your success.

Get a Business Owners Policy Quote Today

Get a personalized BOP quote from Keller Insurance Services and protect your business the smart way.

FAQs

What’s the benefit of a BOP versus buying policies separately?

A BOP bundles general liability and property coverage at a lower cost than purchasing each separately, making it a smart and simple option for small businesses.

Can I customize my BOP coverage?

Absolutely. You can add coverage for cyber liability, equipment breakdown, business income interruption, and more—tailored to your business risks.

Do I qualify for a BOP?

Eligibility is based on your industry, revenue, number of employees, and risk profile. We’ll help determine if a BOP is the best fit for your business.

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