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Business Owner’s Policy (BOP) Insurance

With broad coverage for property and liability exposures, Chubb’s Business Owner’s Policy, or BOP Insurance, serves as the foundation for your small business insurance portfolio.


Chubb BOP Insurance Eligibility

Chubb BOP Insurance protects small business owners with up to $30M in revenue, in more than 500 business classes across the following industries:


Chubb BOP Coverage Highlights

The Chubb Business Owner’s Policy provides superior coverage tailored for your small business. The state-of-the-art policy is crafted to address specific industry risks with multiple features for property and liability insurance.

Optional BOP coverage enhancements:

  • Property enhancements including a unique automatic blanket limit of insurance concept that ties together essential property coverages. This allows you to use your insurance dollars where you need it the most following a loss.
  • Liability enhancements including broad named insured and blanket additional insureds
  • Privacy and data breach
  • Earthquake (in selected states)
  • Employment practices liability
  • Foreign liability including kidnap and ransom
  • Electronic data liability
  • Equipment breakdown
  • Water back-up and sump overflow
  • Professional liability insurance for barbers, dental labs, florists, funeral directors, hair stylists, hearing aid establishments, optical establishments, printers, and veterinarians
  • Crime, including forgery and alteration, money and securities, as well as employee dishonesty

Total Account Solution

Building your portfolio with Chubb means broad, state-of-the-art insurance protection all in one place. Add supporting insurance products to Chubb's Business Owner's Policy for the complete insurance solution.

Umbrella – Umbrella insurance from Chubb provides an additional layer of coverage over existing liability policies, offering your small businesses even more protection.

Workers' Compensation – Our workers’ compensation policy provides small business owners with a broad insurance solution to help protect them and their employees should an injury or illness occur on the job. Chubb provides more than just excellent coverage, we provide world-class claims service and peace of mind that comes with being a Chubb insured.

Commercial Auto – Chubb's commercial auto policy includes personal injury protection, uninsured and underinsured motorist limits up to $1M as well as endorsements that include additional coverages where available.

Management Liability – Chubb’s The ForeFront Portfolio suite of coverages provides management liability insurance including employment practices, fiduciary liability, directors & officers, and crime.

Cyber Enterprise Risk Management (ERM)/DigiTech® ERM – Using a three-pronged approach, Cyber ERM and DigiTech ERM incorporate risk transfer, loss mitigation services, and post-incident services to help protect your small business from constantly evolving cyber risks.

Why Chubb?

Chubb Small Business leverages superior underwriting expertise with the world renowned claims, account services, and financial strength that you expect from Chubb.

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Interested in BOP Insurance for your business?

Learn more about Chubb BOP coverage today.