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What Is a Business Owners Policy?

A Business Owners Policy (BOP) is essential coverage for small- and medium-sized businesses, helping protect against a variety of common risks. A Business Owners Policy includes two major coverage types: liability and property.

General Liability

General liability coverage protects you from medical expenses, legal bills and more in the event a customer is injured, or their property damaged while visiting your business. For example, say a customer slips and falls inside your store after a product spill. Your BOP will help pay for medical bills and other expenses related to the claim, saving you from unexpected out-of-pocket costs.

Property Damage

As the name suggests, property coverage protects your physical business and the items in it in the event of a covered loss. Imagine there’s a fire and your building and some of the items inside are damaged. Your property insurance coverage will pay to repair or replace those items, helping you get back to business sooner.

At Main Street America Insurance, we know you’ve worked hard to build your business and you need an insurance partner you can trust. That’s why we offer comprehensive business products and coverages that can be easily customized to meet your unique needs. Our Business Owners Policy is among the best coverage available on the market today, with extra coverages and broader eligibility to help you protect what matters most.

Who Needs Coverage?

A business owners policy is ideal for people who:

  • Own a physical location for their business
  • Have customers or other visitors on-site
  • Can potentially face lawsuits
  • Want to manage risks associated with their business

Flexible Coverage Options for Greater Protection

You’ve built your business from the ground up – that’s why we built our products around you. Main Street America Insurance recognizes the hard work you’ve put into growing your business, and we’re proud to offer customizable coverages to help you protect your investment.

Liability Coverage

Insures against bodily injury, property damage and more

Buildings and Business Personal Property

Provides replacement coverage in the event of a loss

Loss of Income and Extra Expense

Helps recoup expenses and income after a loss

Employment Practices Liability Insurance

Helps cover legal fees for employee-filed lawsuits

Equipment Breakdown

Coverage for mechanical and electrical equipment

Cyber Breach Insurance

In our increasingly digital world, an important coverage to consider is cyber insurance. With a cyber insurance policy, your business will have protection in the event of identity theft, a data breach or other cybersecurity threats. Your Main Street America Insurance Business Owners Policy automatically includes identity theft protection for you, but cyber coverage can be easily added to your insurance portfolio and is designed to:

  • Repair or replace sensitive data through backup and recovery
  • Notify customers after a breach
  • Cover fraud monitoring and identity restoration costs
  • Help with legal expenses
  • Repair damaged computer systems

Why Choose an Independent Agent


Insurance agents know you and your local community better than anyone else. By choosing an independent insurance agent, you’re working with a partner uniquely prepared to protect your business with the right combination of coverage, service and regional expertise.