Business owner’s policy

Coverage that protects all your small business’s work under one policy.

Your small business has a home at EverPeak

We’re an admitted insurance solution built to protect the businesses that keep this country running. A business owner’s policy (BOP) bundles the coverage you need most into a single policy, so you’re not piecing together protection or paying for gaps you didn't know you had.

Here’s a partial summary of what's typically included:

  • Business owner’s policy - property or general liability
  • Crime
  • Employee benefits liability
  • Employment-related practices liability
  • Data response and cyber liability coverage
  • Liquor liability coverage
  • Food contamination
  • Equipment breakdown coverage
  • Terrorism coverage

Who we cover

Our BOP protects a range of small businesses. These industries are not an exhaustive list.

palette

Artisan makers

Craft workers who make and sell finished products to customers either through e-commerce or off-premise facilities

store

Professional services (offices)

Accountants, doctors, insurance agents, law offices, and many others

face_retouching_natural

Processing and service

Barbershops, nail salons, pet groomers, printers

shopping_basket

Retail and wholesale distributors

Clothing, drugstores, florists and more

handyman

Contractors

Telecommunications, septic tanks, and everything in between

restaurant_menu

Restaurants

Restaurants, cafes, donut shops, fine dining

Coverage by state

Learn more about specific business insurance requirements and local compliance guidelines in your state.

alabama
alaska
arizona
arkansas
california
colorado
connecticut
delaware
district-of-columbia
florida
georgia
hawaii
idaho
illinois
indiana
iowa
kansas
kentucky
louisiana
maine
maryland
massachusetts
michigan
minnesota
mississippi
missouri
montana
nebraska
nevada
new-hampshire
new-jersey
new-mexico
new-york
north-carolina
north-dakota
ohio
oklahoma
oregon
pennsylvania
rhode-island
south-carolina
south-dakota
tennessee
texas
utah
vermont
virginia
washington
west-virginia
wisconsin
wyoming
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Frequently Asked Questions

Find answers to commonly asked questions about

Businessowners' Policy Insurance

Is business insurance required by law?

In many states, businesses with employees are required to carry workers' compensation insurance. Other coverage, like general liability, is often required by landlords or client contracts rather than by state law, so requirements vary by state and industry — it's worth confirming your specific obligations.

Can I combine multiple lines of coverage under one policy?

Often, yes. A business owner's policy (BOP), for example, can bundle property and liability coverage under one plan. Higher-risk or more specialized trades may need additional standalone coverage layered on top, depending on how they operate.

Who do I contact if I have a question that isn't covered here?

Reach out to our customer service team directly at 833.929.0523, or fill out our contact form, and we’ll point you in the right direction.

Let’s get to work

Protect your business, your team and your hard-earned equity today with EverPeak.