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What is a Business Owners Policy?

A Business Owners Policy combines two major types of coverage into a single package:

Property Insurance

Covers physical assets like your building, equipment, inventory, and furnishings.

General Liability Insurance

Protects against claims of bodily injury, property damage, and personal/advertising injury.

With one policy, you safeguard your business against common risks—allowing you to focus on growth, not uncertainty.

What Does a Business Owner's Policy Cover?

Property Coverage

Buildings & Structures

Whether you own or lease, the structure housing your business is protected from fire, theft, vandalism, and more.

Business Personal Property

Covers equipment, furniture, inventory, and fixtures inside your premises.

Loss of Income

If your business is forced to close due to a covered loss, this helps replace lost income and covers operating expenses.

Liability Coverage

Bodily Injury & Property Damage

Protects you if a customer is injured on your property or if your operations cause damage to someone else’s property.

Products & Completed Operations

Covers claims related to products you sell or services you provide after the work is done.

Personal & Advertising Injury

Protects against claims of libel, slander, copyright infringement, or false advertising.

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Optional Coverages You Can Add

GreatFlorida agents can help you tailor your Business Owner's Policy with extra protection, including:

Professional Liability (Errors & Omissions)

Data Breach/Cyber Liability

Employee Dishonesty

Equipment Breakdown

Commercial Auto

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Who Needs a Business Owners Policy?

A Business Owner's Policy is ideal for small to mid-sized businesses in Florida, including:

Retail Stores

Offices

Restaurants & Cafes

Service Providers

Wholesalers

If your business operates in a physical location, serves the public, or owns valuable equipment, a Business Owner's Policy offers essential protection you cannot afford to ignore.

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How Much Does a Business Owner's Policy Cost in Florida?

The cost of a Business Owners Policy depends on:

Business type & industry

Size & location of your business

Property value and assets

Claims history

Chosen coverages and limits

On average, small businesses in Florida can expect to pay between $500 and $2,500 annually for a standard BOP.

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Build Your Own Personalized Business Owner’s Insurance Policy in Florida

Get Prepared. Get GreatFlorida. Our agents simplify building a Business Owner’s Policy to protect your Florida business from property damage and liability risks. Customize cost-effective coverage with our trusted partners to safeguard your retail, office, or service-based operations.

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About GreatFlorida Insurance

GreatFlorida Insurance is a network of independent, franchised insurance agents located throughout Florida. With 142 locations state-wide, it is easy to find a GreatFlorida Agency in your neighborhood.

We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.

Our Independent, GreatFlorida Insurance Agents will help you find affordable Insurance in Florida for you and your family.

Florida's Business Owner Insurance Agency