Alishahi InsuranceIndependent Insurance Broker
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Small Business · BOP

A business owner’s policy that fits your business.

Property, general liability and business income coverage bundled into one policy for offices, retail, restaurants and service businesses.

By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched

Get a Quote Call (424) 552-4545
How it works

Three core coverages, one policy

A BOP combines the coverages most small businesses need first, usually at a lower cost than buying them separately.

Eligibility depends on your industry, size and revenue. When a business doesn’t fit, I place the coverages separately.

  • PropertyYour building if you own it, plus equipment, inventory and furniture.
  • General liabilityInjuries and property damage to others arising from your business.
  • Business incomeLost income and extra expenses after a covered property loss.
  • Not includedWorkers’ comp, commercial auto and professional liability are separate.
Businesses I insure

Small businesses I help

Offices and professional firms

Property and liability, with professional liability added separately.

Retail stores

Inventory, customers on premises and business income.

Restaurants

Equipment breakdown and spoilage options.

Landlords' commercial buildings

Lessor’s risk coverage for leased buildings. Landlord insurance

Employees

Workers’ comp required in California once you hire. See details

Customer data

Cyber liability for breaches and ransomware. See details

Before you call

What underwriters will ask

Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.

Start the Quote Form

  • Business: what you do and how long you’ve operated.
  • Location: address and whether you own or lease.
  • Size: annual revenue and number of employees.
  • Property: value of equipment, inventory and improvements.
  • Lease: insurance requirements from your landlord.
  • Claims: any in the last five years.
Questions

Business owner’s policy, answered

What does a BOP cover?

Typically commercial property, general liability and business income in one policy. Workers’ comp, commercial auto and professional liability are separate.

Is my business eligible for a BOP?

Many small offices, retailers and service businesses are. Eligibility depends on industry, size and the carrier.

Does a BOP cover my employees’ injuries?

No. Employee injuries are covered by workers’ compensation.

My landlord requires insurance. Will a BOP work?

Often yes. Send me the lease’s insurance section so the limits and additional insured wording match.

Do you offer a business owner’s policy outside California?

Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.

Related

Often placed alongside this

Coverage

General liability insurance

Coverage for injuries and damage your business causes others.

See coverage Coverage

Retail store insurance

Inventory, liability and business income for shops and boutiques.

See coverage Coverage

Workers’ comp insurance

Required coverage for California employers.

See coverage Tool

Free coverage review

Upload your declarations page; see what it covers, what to double-check and what it leaves out.

Review my policy

Questions people ask: What does a business owner’s policy cover? Does an LLC need business insurance in California? What is hired and non-owned auto (HNOA) coverage? What are loss runs and how do I get them?

Also covered with this: Coffee shop insurance Commercial package policy (CPP) Equipment breakdown insurance Laundromat and dry cleaner insurance Franchise insurance Gym & fitness studio insurance Does homeowners insurance cover a home-based business? What is equipment breakdown coverage? What is business interruption insurance? Salon insurance

By state: Insurance requirements by state

Small business

Tell me about your business.

What you do, where you operate and your revenue are enough to start.

Get a Quote Call (424) 552-4545

Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.

Did you know?

A short video from Sam

Did you know? Small businesses can bundle 3 coverages in one policy

Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.

Get a quote

Tell me how to reach you. I’ll take it from there.

Takes about 30 seconds. I review every request personally and call you back, usually the same day.

(424) 552-4545

Answered 24/7 · CA License #4348151

Only your name, phone and email are required; every question here is optional. Sending this form doesn’t bind coverage; coverage starts only when I confirm it in writing.

Not shopping yet?

Get a reminder before your renewal.

Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.