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

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

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.
Why choose a BOP?

Checkmark-small-Black-75    We're the #1 total small business insurer1

Checkmark-small-Black-75    A.M BEST gave us an A+2

Checkmark-small-Black-75    We are #1 in Customer Satisfaction with Small Commercial Insurance,3 serving over 1 million small businesses across the nation.

Checkmark-small-Black-75    24/7 claims service & superior customer support

Checkmark-small-Black-75    We're #69 on the Fortune 1004

Checkmark-small-Black-75    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] Conning Strategic Study: The Small Business Sector for Property-Casualty Insurance: Market Shift Coming, 2014. 

[2] A.M. Best, 2014. 

[3] Nationwide received the highest score in the J.D. Power 2018 Small Commercial Insurance Study of customers satisfaction with their insurance provider. Visit 

[4] Fortune Magazine, 6/2016.

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.