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BUSINESSOWNERS POLICY (BOP)

What is it?
Why get it?

A businessowners policy combines certain elements from various insurance coverages – commercial property, general liability, business income and equipment breakdown – into a single, cost-effective package. It provides a convenient solution to ensure small and midsize businesses have the protection they need.

Commercial insurance for your business is a necessity, especially because home insurance may not cover your small business. Business owners save money by combining coverages into one package rather than purchasing each policy separately. And a BOP can be personalized to meet the unique risks your business faces.

Getting a quote is an easy three-step process:


  • Simply tell us more
    about your business


  • Review the features and
    products we select for
    your business


  • Confirm and complete the
    quote online - whenever and
    wherever you want

If you have questions throughout the process, our insurance experts are available to help. Use the click-to-chat feature to get help from a live representative or call 855-531-6254.

There are risks associated with running a business. It’s important to make sure your business and personal assets are covered with a BOP that includes the following types of insurance:


Commercial Property

What is it?
Commercial property insurance protects against physical damage to your business property, regardless of whether you own a freestanding building, lease an office or work at home.

What does it cover?
It could be a storm that damages your outdoor sign or a fire that destroys your building and its contents. This insurance covers the physical assets of your business.


General Liability

What is it?
General liability insurance protects your business in the event of lawsuits or injuries.

What does it cover?
General liability offers protection against a host of unknown expenses and damages you may be legally responsible for, such as lawsuits, investigations, settlements, medical expenses and attorney fees.


Business Income

What is it?
Business income insurance provides coverage for lost income when your business is unexpectedly interrupted.

What does it cover?
If your business is forced to temporarily close due to direct physical loss or damage to your covered property, this insurance pays the bills and covers the payroll.


Equipment Breakdown

What is it?
Equipment breakdown insurance keeps your business operating and productive during an equipment failure.

What does it cover?
Equipment breakdowns can run the gamut from problems with the electrical system to a power surge that causes computer network damage. It typically covers a wide range of equipment, including HVAC systems, communications equipment and more.

Strong and stable as a

rating from AM Best2

claims service and superior customer support

Nationwide received the highest score in the J.D. Power 2018 Small Commercial Insurance Study of customers’ satisfaction with their insurance provider3

Strong and stable as a

rating from AM Best3

claims service and superior customer support

Nationwide received the highest score in the J.D. Power 2018 Small Commercial Insurance Study of customers’ satisfaction with their insurance provider4