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Business Owners Policy (BOP)
A Business Owners Policy, or BOP, packages the core coverages most small businesses need into one policy, usually at a lower cost than buying each one separately. It's a smart starting point for offices, retail stores, restaurants, contractors and service businesses in Washington and across Eastern Missouri.
Because each insurance company has different rules for which businesses qualify, Nothum Insurance compares BOPs from multiple carriers to find the best fit for yours.
Insurance Tailored to Your Business
A Business Owners Policy typically includes three core coverages:
• Property coverage for your building (if you own it), furniture, equipment, inventory and tenant improvements
• General liability for customer injuries and property damage claims
• Business income insurance to replace lost income and pay ongoing bills if a covered loss forces you to close temporarily
Common BOP Add-Ons
Many business owners strengthen their BOP with optional coverages such as:
• Equipment breakdown
• Data breach and cyber coverage
• Employee dishonesty
• Hired and non-owned auto liability
• Contractor's tools and equipment
• Higher liability limits through a commercial umbrella
Is a BOP Right for My Business?
BOPs are designed for small to mid-sized businesses with fairly standard risks. Eligibility depends on your industry, revenue, square footage and the carrier. Larger or higher-risk operations may need a custom commercial package instead, and we can build that too.
A BOP doesn't include workers' compensation, commercial auto or professional liability. We'll help you put those in place alongside it so your business is fully protected.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves business owners throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Whether you're opening a new business, signing a lease, or reviewing your current coverage, we're here to help.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020