Business Owner's Policy

Business Owner's Policy

At O'Grady Insurance, we understand the challenges of running a business. That’s why our Business Owner’s Policy (BOP) offers a smart, cost-effective way to protect your company. Combining essential property and liability coverage, our BOP is designed for small to medium-sized businesses, offering peace of mind with customizable protection against a variety of risks.

What we offer

Key Coverage Features

Property Insurance:
Coverage for your building, equipment, and inventory from damage or theft.


General Liability:

Protects your business from lawsuits related to bodily injury or property damage.


Business Interruption Insurance:

Covers lost income if your business is forced to close due to a covered event.


Cyber Liability:

Protection from data breaches and cyberattacks affecting your business.


Equipment Breakdown:

Covers repair or replacement costs for essential machinery or systems that fail.

Comprehensive Protection Under One Policy

O'Grady Insurance’s BOP offers all the essential coverage you need in a single, convenient package. This means you can save money and simplify your insurance management, all while ensuring that your business is well-protected against property damage, liability claims, and unexpected events.

What we offer

Affordable Peace of Mind

At O'Grady Insurance, we believe in providing maximum coverage at competitive rates. Our BOP packages are designed to give you the best value, offering comprehensive protection while helping you save on premiums.

Tailored Solutions for Your Unique Business

No two businesses are the same, and neither are their insurance needs. Our Business Owner's Policy is fully customizable, so you get exactly the coverage you require without paying for extras you don’t need. Whether you need more coverage for liability or protection against cyber risks, we’ve got you covered.

For Commercial Property Insurance

Frequently Asked Questions

  • What is a Business Owner's Policy (BOP)?

    A BOP combines property and general liability insurance into one package, designed for small to medium-sized businesses. It provides coverage for property damage, liability claims, and business interruption.



  • What types of businesses need a BOP?

    A BOP is ideal for small to medium-sized businesses that need both property and liability coverage. This includes retail stores, restaurants, contractors, and professional services.




  • Is a BOP customizable?

    Yes, O'Grady Insurance offers flexible BOPs that can be tailored to meet your business’s specific needs, adding coverage for things like cyber liability and equipment breakdown.



  • What does Business Interruption Insurance cover?

    Business interruption insurance covers lost income and operating expenses if your business is forced to close temporarily due to a covered event, such as a fire or storm.



  • Does a BOP include Workers' Compensation?

    No, a BOP does not include workers' compensation. Workers' comp is typically sold as a separate policy but can be added to your overall insurance package.

Why Choose Us for Your Commercial Property Insurance?

Tailored Solutions for Your Unique Business Needs

At O'Grady Insurance, we understand that no two businesses are alike. Our Business Owner's Policy (BOP) is fully customizable, allowing you to choose the exact coverage your business requires. Whether you need more protection for property, liability, or even specialized coverages like cyber liability, we have the expertise to craft a solution that fits your specific industry and operations.

Comprehensive Coverage in One Convenient Policy

We simplify your insurance management by combining essential coverages into a single BOP. This includes protection for your property, liability risks, and business interruptions, ensuring that your business is protected from multiple angles. With O'Grady Insurance, you get the benefit of comprehensive coverage without the hassle of juggling multiple policies.

Dedicated Support for Small and Medium-Sized Businesses

Our focus on small to medium-sized businesses means we understand the challenges you face. We take the time to assess your risks and provide personalized advice to keep your business secure. With O'Grady Insurance, you have a trusted partner who is always available to answer your questions and support your growth.

Affordable, High-Quality Protection



We believe that robust protection shouldn’t come with an inflated price tag. O'Grady Insurance offers competitive rates on our Business Owner's Policies, ensuring you get premium coverage at a cost-effective rate. Our goal is to give you peace of mind while helping you manage your budget effectively.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

Get a quote
For businesses

Tailored Insurance Solutions for Your Business

Protecting your business and way of life is our priority. Our business insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your business is safeguarded against unexpected events.

Business insurance
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