Business Owner's Policy
Bundled property and liability protection for Oregon small businesses.
Business Owner's Policy (BOP) in Oregon
A Business Owner's Policy (BOP) is a comprehensive insurance package designed for small to medium-sized businesses in Oregon. It bundles essential coverages — property insurance, general liability, and business interruption — into a single, convenient policy, providing broad protection at a lower cost than purchasing each coverage separately.
Insure Pacific specializes in tailoring BOP solutions to meet the unique needs of Oregon businesses across various sectors. We partner with a diverse network of top-rated carriers to ensure our clients receive robust and cost-effective coverage.
Why Choose Insure Pacific?
- Independent agency — we work for you
- 50+ carriers for competitive BOP rates
- Licensed Oregon business insurance agents
- Serving Oregon businesses since 1935
- Custom endorsements for your industry
- Claims advocacy when you need it most
Coverage Options
A BOP bundles the core coverages most Oregon small businesses need into one affordable policy.
Property Coverage
Protects your business property — buildings, equipment, and inventory — from perils like fire, theft, and vandalism.
General Liability
Covers legal expenses and damages if your business is found responsible for bodily injury or property damage to a third party.
Business Interruption
Replaces lost income and covers extra expenses if your business is forced to temporarily close due to a covered property loss.
Equipment Breakdown
Covers the cost to repair or replace essential business equipment that breaks down due to mechanical or electrical failure.
Cyber Liability
Provides protection against data breaches, cyber attacks, and other cyber-related risks that can compromise sensitive business information.
Ordinance or Law
Helps cover the increased costs of repairing or rebuilding a property to comply with current building codes after a covered loss.
What You Need to Know About BOPs in Oregon
Not All BOPs Are Equal
Coverage limits, exclusions, and endorsements vary significantly between carriers. Insure Pacific compares options across 50+ carriers to find the best fit for your specific business.
Industry-Specific Endorsements
Restaurants, contractors, retailers, and tech companies all have unique risks. We customize your BOP with the right endorsements for your industry.
Oregon Workers' Comp Is Separate
Oregon requires most employers to carry workers' compensation insurance. This is not included in a BOP and must be purchased separately.
Review Coverage Annually
As your business grows, your coverage needs change. We review your BOP annually to ensure your limits keep pace with your revenue and assets.
BOP Insurance: Key Facts
Oregon has over 400,000 small businesses. Here are the numbers that matter for your BOP coverage.
Frequently Asked Questions
Common questions about Business Owner's Policy insurance in Oregon
What is a Business Owner's Policy (BOP)?
A BOP bundles general liability and commercial property insurance into one policy at a discounted rate. It is designed for small to mid-size businesses and is often the most cost-effective starting point for Oregon business owners.
Who qualifies for a BOP in Oregon?
Most small to mid-size businesses with fewer than 100 employees and under $5 million in annual revenue qualify. Eligible businesses include retail stores, restaurants, offices, contractors, and service businesses.
What does a BOP not cover?
A BOP does not cover professional liability, workers compensation, commercial auto, health insurance, or flood and earthquake damage. These require separate policies or endorsements.
How much does a BOP cost in Oregon?
A small business BOP in Oregon typically starts around $500–$1,500 per year depending on your industry, revenue, and location. Insure Pacific shops 50+ carriers to find the most competitive rate.
Can I add cyber liability to my BOP?
Yes. Many carriers offer cyber liability as an endorsement to a BOP. This is especially important for businesses that store customer data, process payments, or rely on computer systems.
Does a BOP cover business interruption?
Yes. Most BOPs include business income (interruption) coverage, which replaces lost revenue if your business must temporarily close due to a covered property loss such as fire, theft, or vandalism.
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