Business Owners Policy

Smart, bundled coverage that helps Kansas businesses stay protected & focused on growth.

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Simple Coverage for Busy Owners

One Policy. Big Protection.

A Business Owners Policy (BOP) combines the essentials—property & liability insurance—into one clear, cost-effective plan. It’s built for small to mid-sized businesses that need strong protection without getting bogged down in fine print. We help you understand what’s covered, what’s not, and how to adjust as your business grows. No pressure, no fluff—just smart advice that helps you run your business with confidence.

What’s Included in a BOP?

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Commercial Property Coverage

Protects your building, equipment, signage & inventory from damage or loss.

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General Liability

Covers injuries, accidents, or damage that happen on your property or during operations.

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Business Interruption

Helps replace lost income if your business is forced to close temporarily due to a covered event.

Frequently Asked Questions

  • Who needs a BOP?

    Any small to medium-sized business with a physical location, property, or customer traffic. Retail shops, offices, and service providers are all great fits.

  • Is a BOP cheaper than buying separate policies?

    Usually, yes. Bundling your coverage into a BOP can offer a better rate—and it’s easier to manage.

  • Can I add extra coverage if I need more?

    Absolutely. We can customize your BOP with add-ons like cyber liability, equipment breakdown, or hired auto coverage.

  • What’s the difference between BOP & general liability?

    General liability is part of a BOP. The difference is that a BOP includes both liability & property in one bundled policy.

  • Do I need a BOP if I work from home?

    Maybe. If you store inventory or see clients at home, we’ll help you figure out if it’s time to upgrade beyond just a home policy.

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Let’s Keep Your Business Protected & Growing

A BOP helps you handle the unexpected without slowing down. Whether you’re launching something new or tightening up your existing coverage, we’ll help you get the protection you need—quickly, clearly & on your terms.