BOP Insurance Request a Quote A Business Owner’s Policy (BOP) Business Owner’s insurance typically includes Commercial Property insurance, General Liability Insurance and Business Income insurance. BOP Insurance helps cover your business from claims resulting from things like fire, theft or another covered disaster and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations.Commercial Property Insurance Property insurance can help protect the property your business owns, leases or rents, including things like buildings, equipment, inventory, furniture and fixtures. It provides coverage for loss of accounts receivable and valuable papers and records.General Liability Insurance When it comes to liability protection, the broader the coverage the better. That's why The Hartford's BOP provides business liability insurance that helps cover your business in the event it is sued for causing harm to a person and/or damage to property. It also helps cover the cost of your defense – because businesses can be sued even if they did nothing wrong.Business Income Insurance If unexpected events cause a suspension in your operations resulting from a covered cause of loss, The Hartford's BOP insurance will help replace loss of income to help you meet your continuing financial obligations such as rent or payroll.