Businessowners policy (BOP)

Property insurance. Liability insurance. Business income insurance.

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A businessowners policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package.

If you’re not sure what coverage is right for your business, or have not considered a BOP, learn how a BOP insurance policy from Nationwide can protect your business.

Do you need a businessowners policy (BOP)?

Nationwide BOP insurance may be right for your business if:

  • Your business is located outside of your home
  • You have fewer than 100 employees and less than $5 million in sales
  • You have property or equipment you need to protect
  • You want to protect investments you've made in your business

What does a BOP cover?


Insure against physical damage to your business property.

Property coverage
person and shield icon

Protect your business from lawsuits and injuries.

Liability coverage

Cover your business against an interruption in income if you have to shut down unexpectedly.

Business income coverage
gear icon

Protect your equipment against breakdowns.

Equipment coverage

Nationwide's industry-specific businessowners policies

We have BOPs that are tailored to the most common risks of various industries.

How to get business insurance

Getting a quote for a business insurance policy has never been easier. With Nationwide, you can get a BOP quote online in under 30 minutes. Here’s what you’ll need:

  • Basic information about your business, including annual sales receipts
  • Information about your building’s construction, including age, material and square footage
  • Employee information, including how many workers are on staff
  • If you will be insuring vehicles associated with your business, have information about the car  types, VIN numbers and drivers on hand
  • Details about any prior claims for your company

Why choose a BOP

checkmark    Nationwide is a leading small business insurer, serving over half a million businesses across the nation.

checkmark    24/7 claims service & superior customer support

checkmark    A.M BEST gave us an A+1

checkmark    We're #73 on the Fortune 1002

checkmark    Yearly On Your Side® Reviews ensure you're covered as well as you should be

Additional coverage options to consider

Accounts receivable

Protect your business against losses caused by the inability to collect payment from a customer.

Business auto

Protect your business vehicles and your employees when they drive on company time.

Crime insurance

Protect your business against burglary, robbery, forgery, computer fraud, employee dishonesty and other crimes.

Cyber liability

Get coverage for computer attacks and damage to electronic data and computer systems. Also offset the effects of your database being hacked or getting a virus.

Employee practices liability

Protect yourself against employee lawsuits.

Errors & omissions insurance

Protect against client lawsuits for negligent acts, errors or omissions committed during business activities that result in a financial loss.

Inland marine insurance

Cover your property in transit, including the transport of goods or equipment over water and land.


Get additional protection for your business assets, increasing the liability limit you already have with other policies.

Workers' compensation

Protect your employees against accidental injuries at your workplace.
Find key coverages for your industry. Shop for insurance by industry type.


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[1] A.M. Best, 2014.

[2] Fortune Magazine, June 2019.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.