A Simple Way to Bundle Core Coverage
One Policy that Covers the Basics
A Business Owner’s Policy, often called a BOP, combines two essential protections into one package: general liability and commercial property. For many Florida small businesses, this is the most efficient way to get strong coverage without juggling multiple stand-alone policies.
GM Insurance Underwriters helps Florida owners figure out whether a BOP fits their operation. If you run a storefront in Riverside, an office in Southpoint, a service company across St. Johns County, or a small team in Central Florida, a BOP can be a clean starting point that still leaves room to add specialty coverage as you grow.
When a BOP is the Right Fit
Ideal for Many Florida Small and Mid-Sized Companies
A BOP is commonly a good match for retail shops, professional offices, small contractors with office space, service businesses, and light manufacturing. If your operation is more complex, we may recommend a custom package instead. Either way, GM Insurance Underwriters will compare options across carriers and explain what you gain or give up with each structure.
If you already have a BOP and your business has changed, we can review your policy for gaps and pricing issues before renewal.
Questions Florida Owners Ask Before Bundling
Is a BOP cheaper than separate policies?
Often yes. Bundling liability and property can reduce cost and simplify management, but the fit depends on your industry and risk level.
Can I add workers’ comp or cyber to a BOP?
Workers’ comp is written separately, but many businesses pair it with a BOP. Cyber liability is also commonly added as a stand-alone policy.
Does a BOP cover flood damage?
Flood is usually excluded, so a separate flood policy is needed if your location is exposed or your lender requires it.