Business Owner's Policy (BOP) in California

The most popular insurance for small businesses. Combines commercial property and general liability in one affordable policy.

Talk to an advisor

Custom quote

Tell us about your business and we'll build the right package for you.

What this coverage includes

Commercial property

Covers your building, equipment, inventory and improvements against fire, theft, vandalism and other events.

General liability

Protects you if a customer or third party is injured at your business or you damage others' property.

Business income loss

Replaces lost income if you must close temporarily due to a covered event like fire or storm.

Why choose Auto International

One policy, two coverages

Buying property and liability separately costs more. BOP combines them at a discount.

Ideal for businesses with a physical location

Restaurants, shops, salons, professional offices — if you have a location, BOP is your starting point.

Customizable with endorsements

Add specialized coverages for your industry: cyber, contractor equipment, employee coverage.

Bilingual business-specialized agents

We build the right package for your business type, in Spanish or English.

Frequently asked questions

What businesses qualify for a BOP?

Generally businesses with under $5M in annual revenue and smaller premises. Includes restaurants, retail shops, offices, small workshops and many more.

Does BOP include Workers' Compensation?

No. Workers' Comp is a separate insurance required by California law for businesses with employees. BOP covers property and liability, but not employee workplace injuries.

How much does a BOP cost?

For many small businesses, BOP starts at $500–$2,000 annually. It depends on your business type, revenue, location size and selected coverages.