Business Owners Policy (BOP)
A Business Owners Policy (BOP) combines general liability with commercial property coverage in one cost-effective package — protecting your equipment, office, and third-party liability, often with business interruption included.
Business Owners Policy for Dev Studios
A Business Owners Policy (BOP) bundles two essentials — general liability and commercial property — into a single, discounted package. For a software studio, it's the efficient way to cover both your physical assets and your third-party liability without buying separate policies.
What a BOP Covers
- Business property: Laptops, monitors, servers, networking gear, and office furniture
- General liability: Third-party bodily injury and property damage
- Business interruption: Lost income if a covered event disrupts your operations
- Equipment anywhere: Coverage for portable gear used at home, co-working, or on the road
- Tenant improvements: Build-out in a leased office space
- Electronic equipment: Coverage tailored to tech hardware
Why It Fits AI-Assisted Studios
Your laptops and workstations are your means of production. A BOP protects that hardware against theft, fire, and damage — including portable equipment that travels with you — while folding in the general liability that leases and clients require. Bundling typically costs less than buying property and GL separately.
What a BOP Does Not Cover
A BOP handles physical property and general liability. It does not cover your software work failing (Tech E&O), data breaches (cyber liability), IP infringement (media liability), or employee injuries (workers comp). Think of the BOP as the foundation, with the tech-specific coverages layered on top for a complete program.
Scaling as You Grow
As your studio adds people and gear, your BOP scales with it. We right-size your property limits and liability so you're never under- or over-insured.
What's Covered
Frequently Asked Questions
Usually, yes. A Business Owners Policy bundles general liability and commercial property at a lower combined cost than purchasing them as standalone policies — which is why it's the popular core choice for small studios.
Most BOPs can extend property coverage to portable equipment used away from your primary location. We make sure your policy includes off-premises and portable-equipment coverage so your gear is protected wherever you work.