NeedBizInsurance
Coverage Guide · United States · 2026

Business Owner's Policy Insurance for small business

A BOP bundles general liability and commercial property into one discounted policy, ideal for small businesses with a physical location or business property.

Typical cost · $400.00–$1500.00 per year

01

Who needs this coverage

ProfessionCategoryRecommended level
AcupuncturistFull guidehealthOptional
Amazon FBA SellerFull guideretailOptional
Appliance Repair TechnicianFull guidetradesOptional
Baker (Home-Based)Full guidefood-serviceOptional
Bartender (Mobile)Full guidefood-serviceOptional
BookkeeperFull guideprofessional-servicesOptional
CarpenterFull guidetradesOptional
Carpet CleanerFull guidecleaningOptional
Carpet InstallerFull guidetradesOptional
CatererFull guidefood-serviceOptional
ChiropractorFull guidehealthOptional
Cleaning ServiceFull guidecleaningOptional
Coffee CartFull guidefood-serviceOptional
Concrete ContractorFull guidetradesOptional
Construction LaborerFull guidetradesOptional
ConsultantFull guideprofessional-servicesOptional
CourierFull guidetransportationOptional
Delivery DriverFull guidetransportationOptional
Demolition ContractorFull guidetradesOptional
Dog BreederFull guidepet-servicesOptional
Dog TrainerFull guidepet-servicesOptional
DoulaFull guidehealthOptional
ElectricianFull guidetradesOptional
Electronics Repair TechnicianFull guidetradesOptional
EstheticianFull guidehealthOptional
Etsy SellerFull guideretailOptional
Excavation ContractorFull guidetradesOptional
Fencing ContractorFull guidetradesOptional
Fitness InstructorFull guidehealthOptional
Flea Market VendorFull guideretailOptional
Flooring InstallerFull guidetradesOptional
Food TruckFull guidefood-serviceOptional
General ContractorFull guidetradesOptional
Grant WriterFull guideprofessional-servicesOptional
Graphic DesignerFull guidefreelanceOptional
HVAC TechnicianFull guidetradesOptional
HandymanFull guidetradesOptional
Home Health AideFull guidehealthOptional
Hot Shot TruckingFull guidetransportationOptional
Janitorial ServiceFull guidecleaningOptional
Junk RemovalFull guidecleaningOptional
LandscaperFull guidetradesOptional
Life CoachFull guideprofessional-servicesOptional
Mason / BricklayerFull guidetradesOptional
Massage TherapistFull guidehealthOptional
Medical TransportFull guidetransportationOptional
Mental Health CounselorFull guidehealthOptional
Mobile BartenderFull guidefood-serviceOptional
Mobile Dog GroomerFull guidepet-servicesOptional
Mobile Vet TechFull guidepet-servicesOptional
Moving CompanyFull guidetransportationOptional
Nail TechnicianFull guidehealthOptional
Notary PublicFull guideprofessional-servicesOptional
NutritionistFull guidehealthOptional
Occupational Therapist (Freelance)Full guidehealthOptional
PainterFull guidetradesOptional
Personal ChefFull guidefood-serviceOptional
Personal TrainerFull guidehealthOptional
Pest ControlFull guidecleaningOptional
Pet SitterFull guidepet-servicesOptional
PhotographerFull guidefreelanceOptional
PlumberFull guidetradesOptional
Pool CleanerFull guidecleaningOptional
Pool ServiceFull guidecleaningOptional
Pressure WashingFull guidetradesOptional
Property ManagerFull guideprofessional-servicesOptional
Real Estate AgentFull guideprofessional-servicesOptional
RecruiterFull guideprofessional-servicesOptional
RooferFull guidetradesOptional
Speech Therapist (Freelance)Full guidehealthOptional
Tax PreparerFull guideprofessional-servicesOptional
Tow Truck OperatorFull guidetransportationOptional
TranslatorFull guideprofessional-servicesOptional
Tree ServiceFull guidetradesOptional
TutorFull guideprofessional-servicesOptional
Vending Machine OperatorFull guideretailOptional
Virtual AssistantFull guideprofessional-servicesOptional
Web DeveloperFull guidefreelanceOptional
WelderFull guidetradesOptional
Wellness CoachFull guidehealthOptional
Window CleanerFull guidecleaningOptional
Yoga InstructorFull guidehealthOptional
SOURCE · National carrier filings · BLS labor statistics · Updated 2026
02

Best carriers for business owner's policy

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
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Hiscox
AM Best: A
direct
professional-liabilitygeneral-liabilitycyber-liabilitybusiness-owners-policy
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NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
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Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
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