Designed to meet the needs of small to medium businesses that fit within certain specifications. These "BOP" policies are multi-peril package policies with property & liability coverages.  Coverage forms usually include: Buildings and Business Personal  Property, Business Interruption Coverage, Accounts Receivable, Valuable Papers, Signs, and Glass Coverage. Additional coverage can be added and limits can be increased.

Workers Compensation and Employers Liability coverage can be purchased in conjunction with a BOP. This policy provides medical care, physical rehabilitation, and lost wages coverage for employees for work related injury or illness. This covers the employer's obligation under Workers Compensation Laws and provides coverage for the employer for lawsuits filed by employees who under certain circumstances are able sue the employer under common law.