Business Owners Policy (Bop) Insurance in Florida for Small Businesses

Convenient Protection: Business Owners Policy (BOP)

One package. Big protection. Less hassle.

A Business Owners Policy combines core coverages most Florida small businesses need into a single, cost-effective policy. Complete Trust Insurance builds BOPs for retailers on Ocean Drive, professional offices near Royal Palm Pointe, and growing shops across Indian River County—often adding extras your operation actually uses. Many clients start by pairing general liability with property protection, then customize for their workflow.

Woman in blazer, talking on phone, laughing, sitting at desk in stylish room.
Who Qualifies for a BOP?

Built for Lower-to-Moderate Risk Operations.

Typical fits include offices, boutiques, small restaurants and cafés, light contractors, and personal services. Higher-hazard manufacturers or large contractors may need custom packages—we’ll steer you to the right market through our carrier network serving Vero Beach and all of Florida.

A man is smiling while sitting in front of a laptop computer.
What’s Included in a BOP

Liability, Property, and Income—Together by Design.

  • General liability coverage for third-party injuries, property damage, and legal defense
  • Commercial property for buildings you own or tenant improvements and business contents if you rent
  • Business interruption for lost income and extra expenses after a covered property loss


Many BOPs also include equipment breakdown, crime, and small data breach sub-limits. We’ll show what’s included and where an add-on makes sense, like cyber or commercial auto for vehicles tied to daily operations.

Benefits of a BOP

Save Money, Simplify Renewals, and Customize Smartly.

A BOP is often less expensive than buying separate policies. One renewal, one set of forms, and endorsements tuned to your industry—like hired/non-owned auto, professional liability add-ons for select professions, or cyber. If you have employees, remember a BOP does not include workers’ comp.

Florida Specific Considerations

Wind Deductibles, Coastal Property, and Flood.

Property sections may use hurricane or windstorm deductibles. Some coastal locations require specialty carriers—Complete Trust Insurance places those daily. Flood is excluded from the property portion; ask us about options that complement your BOP if your site is near the Indian River Lagoon.

Complementary Coverages

Round Out Protection for Real-World Risks.

Add commercial auto for business vehicles and workers’ comp for employees, then consider cyber or an umbrella for higher limits. A quick plan review keeps your commercial insurance  coordinated across policies and certificates.

A man is smiling while sitting in front of a laptop computer.
Frequently Asked Questions

Bop Answers for Florida Small Businesses.

  • What is a BOP and how is it different from buying policies separately?

    A BOP bundles general liability, commercial property, and business interruption into one policy—typically at a lower total cost and with simpler admin.

  • Who qualifies for a BOP in Florida?

    Lower-to-moderate risk operations such as offices, retailers, salons, small restaurants, and light contractors. We’ll confirm eligibility.

  • Does a BOP include coverage for lost income after a hurricane?

    When wind is included on the property section, business interruption can apply after a covered property loss. Wind deductibles may apply.

  • Is cyber liability included in a standard BOP?

    Most BOPs only include small data breach sub-limits. Broader cyber is an add-on or separate policy.

  • Does a BOP cover employee injuries?

    No. That’s handled by workers’ comp.

  • Can I add hired/non-owned auto to a BOP?

    Often yes—critical if employees use personal cars for errands. We’ll place it on the BOP or auto policy as appropriate.

  • Are tenant improvements covered if I lease my space?

    They can be when included as tenant improvements and betterments on your property schedule.