Business Owners Policy (BOP)
Property, liability, and business income bundled into one policy sized for Minnesota small businesses.
A business owners policy packages the coverages most small businesses need, commercial property, general liability, and business income, into one policy that is easier to manage and usually more efficient than buying each piece separately. Todd writes BOPs for the kinds of operations he knows personally: shops, offices, small retailers, and the trades and service businesses that fill the northwest metro. He pays attention to the details that matter in Minnesota, like hail deductibles on the building, equipment breakdown after a power event, and business income coverage if a storm shuts you down. You describe what you do; Todd translates it into coverage that holds up.
What Todd looks at
- Property and liability in one policy
- Business income coverage
- Equipment breakdown options
- Built for shops, offices, and trades
Not sure what you are carrying today? Send Todd your current declarations page and he will read it back to you in plain language.
Call (612) 500-5215Business Owners Policy (BOP) Service Areas
We provide business owners policy (bop) services across the northwest Twin Cities metro.
Questions Todd gets asked.
Is a BOP right for my business?
BOPs fit most small operations with a physical location or equipment and straightforward liability exposure. Larger or higher-risk operations may need standalone commercial policies. Todd starts with what your business actually does, then tells you honestly which structure fits, even when the answer is not the simplest one.
What does business income coverage actually do?
If a covered event, like a fire or storm damage, forces you to close temporarily, business income coverage replaces lost revenue and keeps paying ongoing expenses while you rebuild. For a small business, that coverage is often the difference between a hard season and a closed door.
Can I add commercial auto and workers comp to a BOP?
They are written as separate policies, but Todd coordinates them so limits and coverage lines meet cleanly. Having one independent agent across your BOP, commercial auto, and workers comp means one call when something happens.
Other coverage Todd writes.
Homeowners Insurance
Homeowners coverage built for Minnesota weather: hail, straight-line wind, winter storms, ice dams, and frozen pipes.
Learn morePersonal Auto Insurance
Auto coverage for real Minnesota driving: deer on the county roads, ice on the freeway, and hail in the driveway.
Learn moreCommercial Auto Insurance
Coverage for the trucks, vans, and pickups that do the work: contractors, trades, and service businesses across the metro.
Learn more