How much is a business owner's policy?

A business owner's policy costs $83 to $125 a month in 2026. What changes your price is below.

Insureon puts the median business owner's policy, or BOP, at $83 a month, or $990 a year. BusinessInsuranceCost.com's 2026 benchmarks put the median near $125 a month. A BOP bundles general liability, commercial property and business interruption into one policy, usually for less than buying them apart.

Estimate your business owner's policy cost

Pick what you need and add your ZIP. The price updates as you go. Got a price already? Check it in the last step.

1Which one do you need?

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A fair price is $85.

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Your estimateUS average

$85to$85

Middle of the range: $85

$0$60$120

Normal range Middle

What you are paying for

Median BOPUS range for this job.$85

Office or small shopRisk.Base price

US averageLocal prices not added yet.US price

Middle of rangeHalfway between low and high.$85

How we calculate this

Prices are for the United States in 2026 from published cost guides, checked September 2026. This is an estimate, not a quote.

Middle $85$85

How much does a business owner's policy cost?

Median, Insureon customers	$83 a month, $990 a year.
Median, 2026 benchmark	About $125 a month (BusinessInsuranceCost.com).
Typical range	About $57 to $150 a month (Homebase).
General liability alone, for comparison	$45 a month median (Insureon).
Bundle discount	Often 10 to 15 percent (Homebase).
What it covers	Liability, property and lost income.

What pushes a quote up

Property value	More gear and stock cost more to insure.
Location	Storm and crime risk matter.
Industry	Restaurants pay more than offices.
Limits and deductible	Higher limits cost more.
Claims history	Past claims raise the price.

Business owner's policy cost by region

Lower cost states	$65 to $100. Alabama, Arkansas, Indiana, Iowa, Kansas, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, West Virginia and most rural areas.
Average cost states	$83 to $125. Arizona, Florida, Georgia, Michigan, North Carolina, Ohio, Pennsylvania, Texas, Virginia and most mid size cities.
Higher cost states	$110 to $160. California, Connecticut, Hawaii, Massachusetts, New Jersey, New York, Washington, plus big metros such as Chicago, Denver and Washington DC.

These rows are our estimate. We took the typical national range and adjusted it for local labor costs, which run about 20 percent lower in the cheapest states and about 30 percent higher in the dearest ones. Areas with storms, fire or high crime cost more.

What a BOP covers and what it does not

A BOP bundles three things. General liability covers injuries and damage to others. Commercial property covers your building, gear and stock. Business interruption covers lost income if a covered event, like a fire, shuts you down.

A BOP does not cover workers comp, commercial vehicles or professional mistakes. Those need their own policies.

Who can get one

Insurers usually sell BOPs to small, lower risk businesses like shops, offices and small restaurants. Big or risky businesses may need separate policies.

How to judge the quote in your hand

Ask the property limit and what is counted.
Ask how lost income is paid.
Ask the deductible.
Ask what is excluded, like floods.
Ask if it meets your lease terms.

Ways to pay less

List your gear and stock so you do not over insure.
Raise the deductible if you can afford it.
Add security and fire alarms.
Get 3 quotes.
Review it yearly as you grow.

Before you decide

A worked example

Say a small bakery pays $45 a month for general liability and $60 a month for property cover bought apart. That is $105 a month. A BOP with the same limits might cost about $90, saving about $180 a year, plus it adds lost income cover.

See our general liability insurance cost page.

This page is price information, not insurance or legal advice. Rules on required coverage differ by state and by contract.

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