General liability or a BOP. Which one fits your business?

The answer depends on what you own and where you work, not on which one is cheaper.

Do you own or rent your premises

Do you store tools or inventory

Would a closure cost you income

How many vehicles you run

General liability versus a business owner's policy

Both include liability. The difference is what sits alongside it.

Coverage	General liability	Business owner's policy
Third-party injury and property damage	Included	Included
Products and completed operations	Included	Included
Building you own	Not included	Included
Contents and equipment	Not included	Included
Business income after a loss	Not included	Included
Typical pricing	Lower if you own nothing	Better value once you have property

General liability alone is usually the right answer.

A BOP covers the building, contents and lost income alongside liability.

The contents coverage in a BOP is usually cheaper than insuring them separately.

General liability alone, plus a check that your homeowners policy does not exclude business activity.

Is a BOP always more expensive?

No. Once you need contents and business income coverage, a BOP is usually cheaper than buying those separately.

Does a BOP replace workers compensation?

No. Workers compensation is separate and required in most states once you have employees.

Can I add commercial auto to a BOP?

Not usually. Commercial auto is written as its own policy, though some carriers package them.

Describe what you own and where you work and we will tell you which policy fits.