Business Owners Policy (BOP) - Bundled Property & Liability

The Simple, Cost-Effective Way To Insure Your Business

A BOP combines General Liability and Commercial Property into one package-often at a lower price than buying separately. O'Sullivan Integra builds BOPs for retailers on Main Street, professional offices near SH 249, and service businesses across Houston, keeping coverage streamlined and budgets predictable.

What's Typically Included

A black and white drawing of an umbrella with a dollar sign underneath it.

Liability

Slip-and-fall, property damage to others, and related legal costs.

Buildings with a shield and checkmark, suggesting protection or security.

Property

Your building (if owned), tenant improvements, equipment, and inventory.

A black and white shield with a check mark inside of it.

Business Interruption

Helps replace income during a covered shutdown.

Optional add-ons may include data breach, equipment breakdown, and more-customized to your operations.

Who Qualifies For A BOP?

Many small to midsize businesses with moderate risk profiles qualify-boutiques, cafes, professional services, light contractors. If you've outgrown a BOP, we'll assemble standalone policies to match your scale and contract requirements across Greater Houston.

What A BOP Doesn't Include

You'll still need Workers' Comp for employees and Commercial Auto for business vehicles. High-risk operations may also want Umbrella Insurance for extra liability limits over a BOP.

FAQs From Texas Owners

  • Is a BOP cheaper than separate policies?

    Often, yes-packaging can reduce premiums and paperwork.

  • Can home-based businesses get a BOP?

    Many can. It usually provides better protection than relying on a home policy alone.


  • Do I still need professional liability?

    If you provide advice or services, yes. A BOP doesn't cover errors and omissions-see Professional Liability.