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What is a Business Owners Policy (BOP)?

A business owners policy is made up of two coverage types: liability and property insurance. It can help protect small- and medium- sized businesses such as hair salons and contractors from unexpected risks.

At Main Street America Insurance, we understand that your success is our success. It's a shared ambition. That's why our business products and coverage options equip you with customizable solutions to meet your needs. Our business owners policy product is among the best coverage available in the market today, and with our new Main Line Business Owner's Policy (Main Line BOP), you get all the traditional coverage of a business owners policy product, but with extra coverages, more options and broader eligibility, offering a great value and protecting what's important to you: your livelihood.

Who Needs a BOP?

A business owners policy is ideal for individuals who:

  • Own a physical location for their business
  • Can potentially face lawsuits
  • Desire protection for assets or investments
  • Want to manage risks associated with their business

We are proud to offer small business owners a variety of coverages designed to protect your specific needs, including but not limited to:


Carpentry, masonry, painting, landscaping, electrical work, carpet and floor installation, janitorial services, heating and air conditioning, concrete construction



Lawyers, accountants, real estate agents, physicians or surgeons


Hair salons, barber shops, photographers or interior decorators 



Gift shops, clothing or apparel stores, home improvement stores


Delis, cafes, sandwich shops, fast food locations






Electrical supplies or goods distributors

Business Owners Policy Coverages

You've built your company from the ground up. We've built our business insurance products around you. Main Street America Insurance recognizes the heart and soul you've put into making your business stand out from the pack. That's why we offer highly customizable business insurance policies to help you find just the right fit.

Liability Coverage

Insures against bodily injury, property damage, personal injury and advertising injury.

Buildings and Business Personal Property

Provides replacement cost coverage for buildings and most business personal property (property coverage is optional for Contractors).

Loss of Income and Extra Expense

Protects loss of business income resulting from an insured’s loss. We insure your net income and continuing normal operating expenses, including payroll, for up to 12 months.

Employment Practices Liability Insurance

Provides coverage for costs of defending employers against employee allegations of discrimination, wrongful termination, harassment and other wrongful employment acts.

Main Line Extension

Features a $150,000 blanket limit for specified coverages.

Equipment Breakdown

Breakdown protection of all mechanical and electrical equipment commonly used in your business (like computers, telephones and air conditioning units).

Protect Your Business From Identity Theft

Your Identity is Safe With Us

We realize that your reputation as a business and as a small business owner may often be directly tied to your success and livelihood. To address the growing concern over identity theft in our highly digital world, Main Street America's Main Line BOP automatically includes Identity Theft coverage for your business and personal identity information. If you become a victim, our Identity Theft coverage also includes resolution services to help you restore the reputation of your business and maintain the trust you've worked hard to build.