Protect Your Business with a Comprehensive BOP (Business Owners Policy)

Cost-effective protection for property, liability, and income loss—designed specifically for small businesses with IDR Insurance.

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What is Business Owners Policy (BOP)

An IDR Business Owners Policy (BOP) is a convenient all-in-one insurance solution for small to mid-sized businesses. Instead of purchasing separate policies, a BOP combines essential coverages—property, liability, and income protection—into a single, cost-effective package. Think of it like a combo meal: everything you need in one place, saving money and simplifying protection.

Why You Business Needs A BOP

Protects your business property and equipment from damage or loss
Covers lawsuits and liability claims arising from your operations
Helps replace lost income during unexpected business interruptions

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Who Needs Worker's Compensation

If your business has customers, inventory, or a physical space, IDR Business Owners Policy (BOP) bundles General Liability and Commercial Property—often including Business Income—to cover essential risks.

Retail Shops & Boutiques

Inventory, displays, and customer foot traffic—IDR Business Owners Policy (BOP) protects against slip-and-fall incidents and property losses.

Restaurants & Cafés

Kitchens, seating areas, and equipment—IDR BOP covers spoilage and property. Optional add-ons include liquor and food-borne illness protection.

Professional Offices

Accountants, consultants, real estate agents, and property managers—IDR BOP protects client visits, office equipment, and professional spaces.

Salons, Spas & Barbers

Covers services liability, leased suites, tools, and products—professional liability can be added separately with IDR coverage.

Medical & Dental Offices

Covers waiting areas and specialty equipment—can be paired with malpractice coverage through IDR Insurance.

Auto Service & Repair

Covers service bays, tools, and customer vehicles on-site—IDR Insurance recommends adding Garagekeepers coverage with your BOP.

Contractors (Light Trades)

Covers cabinet, flooring, painting, and HVAC shops or showrooms—protecting premises and operations. Note: major site work may not be eligible.

E-Commerce & Online Sellers

Covers inventory at home or third-party locations, product liability, and business income. Cyber coverage can be added for e-commerce and data protection.

Wholesalers & Distributors

Warehouse inventory, racking, and forklifts—IDR BOP often pairs with inland marine coverage for goods in transit protection.

Hospitality & Venues

Guest injuries, events, equipment, and business interruption—IDR BOP thoroughly protects your business and covers all essential risks.

Nonprofits & Community Orgs

Offices, programs, and fundraisers—IDR BOP can easily and fully include volunteer accident and special event coverage.

Commercial Condo & Office Suites

Owners/landlords needing property and liability coverage—IDR Insurance meets HOA/COI requirements.

Don't see Your Business?

IDR Insurance also provides coverage for additional business types not listed here.

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Why Businesses Trust IDR Insurance

Personalized Coverage: Tailored protection for your specific industry needs with IDR Insurance.
Affordable Premiums: Flexible options to fit your budget without compromising coverage.
Fast & Easy Quotes: Quick, streamlined process to get coverage when you need it.
Trusted Partner: IDR Insurance is relied on by local businesses for dependable protection.

Expert Guidance Whenever You Need It

Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.

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2 Update My Policy Info

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3 Upload Document

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Business Owners Policy (BOP) Made Simple

Business Owners Policy (BOP)
Bundle property, general liability, and business income coverage to protect your small business and keep it running after unexpected events.

Key Coverage:

Property & General Liability
Business Income (Interruption)
Equipment Breakdown
Optional Add-Ons: Cyber Liability & Employment Practices Liability (EPLI)

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Real Client Feedback

Trusted by customers worldwide for dependable service and exceptional results.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

Sarah Mitchell

“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

James Carter

“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

Emily Johnson

“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”

Michael Thompson

Business Owners Policy (BOP) Frequently Asked Questions

What exactly is a BOP?

IDR Business Owners Policy (BOP) bundles General Liability, Commercial Property, and Business Income (interruption) into a single policy for small to mid-sized businesses. One bill, broad protection, fewer hassles. Coverage details vary by carrier—always review the declarations and policy forms.

Who qualifies for a BOP?

Typically suited for low- to moderate-risk businesses—such as retail, offices, restaurants, and light services—with modest revenue, payroll, and limited square footage. High-hazard operations may require a custom BOP package. Underwriting guidelines vary by carrier.

What does a BOP cover?

Covers bodily injury, property damage, and personal/advertising injury once your underlying General Liability, Auto, and Employers’ Liability limits are exhausted. Also helps meet higher contract or client-mandated coverage requirements.

What isn’t covered?

Excludes Workers’ Comp, commercial auto, professional liability (E&O), flood/earthquake, employee injuries, and cyber/EPLI unless specifically added. Wear-and-tear and intentional acts are not covered. Translation: IDR Insurance BOP is strong protection, but not all-risk magic.

How much does a BOP cost?

Pricing depends on your industry, location, building value, contents, revenue/payroll, claims history, selected limits, and deductibles. IDR Insurance shops multiple carriers to ensure honest and competitive rates.

If I rent space, do I still need a BOP?

Yes. Landlords typically require general liability coverage with them listed as Additional Insured and proof provided via a COI. IDR BOP also protects your contents, improvements, and business income—areas not covered by your landlord’s policy.

Can I add Cyber, EPLI, or Professional Liability?

Usually, yes—either as endorsements or separate policies. IDR Cyber coverage helps with data breaches and ransomware, EPLI addresses employee-related claims, and Professional Liability protects against errors in your services. We’ll recommend the right mix to match your business risk profile.

What limits should I choose?

Common selections: General Liability at $1M per occurrence / $2M aggregate. Property should be covered at replacement cost (not resale value). For Business Income, select a realistic recovery period—12+ months is typical.

What do I need for a quote?

Provide your legal business name and address, a description of operations, years in business, revenue and payroll, square footage, building details (construction type, year built, safety protections), equipment inventories, and 5-year loss history if available.

How are claims handled?

Report any loss to IDR Insurance as soon as possible. Take reasonable steps to prevent further damage, document everything with photos and receipts, and keep records of lost income or expenses. We’ll coordinate with the carrier’s adjuster from start to finish.

How fast can coverage start?

Policies can often be bound the same day after underwriting approval. Some businesses may require inspections or additional information—still fast, just not instant.

Talk to a Real Agent

Call, text, or click. We’re ready when you are.

Call: (636) 556-5555, (314) 499-8888

Mail: support@idrinsurance.com

Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005

Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368

Protect Your Business with a Comprehensive BOP (Business Owners Policy)

Business Insurance

Commercial Auto

Trucking

Cyber

Commercial Property

General Liability

Professional Liability / E&O

Malpractice Insurance

Sport Insurance

Workers Compensation

Business Owner's Policy (BOP)

Liquor Liability

Commercial Umbrella

Garage Insurance

Event Insurance

What is Business Owners Policy (BOP)

Why You Business Needs A BOP

Business Owner’s Policy (BOP): Coverage Options

Building & BPP

Building & BPP

Safeguards your building and business-owned property against damage or loss.

Business Income & Extra Expense

Business Income & Extra Expense

Covers lost income and helps maintain cash flow after a covered business interruption.

General Liability

General Liability

Covers claims from slip-and-fall incidents to product/completed operations exposures.

Equipment Breakdown

Equipment Breakdown

Covers mechanical, electrical, and pressure-related equipment failures.

Cyber & Data Breach

Cyber & Data Breach

IDR Cyber Insurance helps protect your business from hacks, data/privacy breaches, and extortion threats.

Hired & Non-Owned Auto

Hired & Non-Owned Auto

IDR Insurance provides coverage for liability arising from vehicles you don’t own.

Utility Services

Utility Services

IDR Insurance provides coverage for power, water, or communications disruptions affecting your business operations.

Ordinance or Law (A/B/C)

Ordinance or Law (A/B/C)

Covers compliance with building codes after a loss.

Inland Marine / Tools

Inland Marine / Tools

Coverage for mobile equipment and property while in transit or at temporary locations.

Crime & Employee Dishonesty

Crime & Employee Dishonesty

Protects against theft, forgery, and fraud.

Outdoor Signs & Property

Outdoor Signs & Property

Covers freestanding signs and outdoor property.

Additional Insureds / P&N / Waiver

Additional Insureds / P&N / Waiver

Policy language designed to meet contract requirements.

Who Needs Worker's Compensation

Retail Shops & Boutiques

Restaurants & Cafés

Professional Offices

Salons, Spas & Barbers

Medical & Dental Offices

Auto Service & Repair

Contractors (Light Trades)

E-Commerce & Online Sellers

Wholesalers & Distributors

Hospitality & Venues

Nonprofits & Community Orgs

Commercial Condo & Office Suites

Don't see Your Business?

Why Businesses Trust IDR Insurance

Expert Guidance Whenever You Need It

File A Claim

Update My Policy Info

Upload Document

Policy Review Request

Schedule A Call

Business Owners Policy (BOP) Made Simple

Real Client Feedback

Sarah Mitchell

James Carter