Combine protección esencial de propiedad y responsabilidad en una póliza práctica para una pequeña empresa elegible. Le ayudamos a elegir límites y opciones según su operación real.
Mostramos ocho mercados relevantes para comparar. La disponibilidad depende del riesgo y la ubicación, y un logotipo no implica un nombramiento directo.
Small business packages
Business owner policies
Property and liability packages
Package coverage
Small business packages
Small commercial packages
Business owner policies
Commercial packages
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
Unas preguntas sobre su empresa o su casa.
Comparamos aseguradoras y leemos los formularios línea por línea.
Elegimos la mejor póliza y le ayudamos a obtener cobertura.
Third-party injury and property damage claims from your operations.
Your building, equipment, inventory, and tenant improvements.
Lost earnings and extra expense while a covered loss shuts you down.
A kitchen fire closes a cafe for eleven weeks. The building repair is one bill. Payroll, rent and the revenue that never arrived over those eleven weeks is a second one, easily larger than the first, and it is the half most owners have never priced.
Packaging these together usually costs less than buying them separately.
Because a business with a location has two problems at once: what it can owe other people, and what it would cost to replace everything inside the door. A business owner's policy prices those together, and it adds the income you lose while the doors are shut, which no liability policy touches.
A customer, vendor or passerby is hurt because of your premises or your operations, and the policy responds to the claim and the defense.
Your work or your operations damage property that belongs to someone else.
Something you sold or a job you finished causes harm after you have left the site.
Libel, slander and certain advertising offenses, including the cost of defending them.
The structure if you own it, and the improvements you paid for if you lease. Tenant improvements are the item most often left uninsured.
Equipment, furniture, stock and the tools of the trade, up to the business personal property amount on the policy.
Earnings you lose and the extra expense you take on while a covered loss shuts you down. This is often called business interruption or business income coverage.
You just signed a lease and the landlord wants a certificate. A BOP is usually the cleanest way to satisfy the lease and cover your own contents in one policy instead of two.
You bought general liability years ago for a contract and have since accumulated equipment, stock and a build-out. The liability policy has never covered any of it.
A BOP covers the office and the liability. It does not cover a claim that your advice was wrong, which for a services firm is the exposure that actually ends companies.
A BOP handles the shop and the liability, and then stops. Employees mean workers' compensation and a truck means commercial auto. We place all three together so nothing falls between them.
No publicamos un límite ni un deducible, porque una cifra correcta para un negocio es negligente para el siguiente. En su lugar, este es el método.
Los arrendamientos, los acuerdos con clientes y los contratistas generales suelen fijar un mínimo. Ese requisito es la primera restricción, no nuestra opinión.
Lo que un mal día le cuesta de verdad: el valor en riesgo, el tamaño de los trabajos que acepta, cuánta gente tiene y cuánto costaría una defensa legal.
Cotizamos más de un límite para que vea qué cuesta el siguiente nivel antes de decidir. Un deducible más alto baja la prima y sube lo que usted asume.
Los ingresos, la nómina y los valores de propiedad cambian. Un límite que servía hace dos años es la brecha que más encontramos en una renovación.
10 de julio de 2026
Qué agrupa una póliza para propietarios de negocios (BOP), quién califica, qué excluye, cómo se compara con pólizas separadas y qué determina su costo anual.
Leer guíaA BOP bundles general liability with commercial property and business income coverage in one policy built for eligible small businesses.
BOPs are designed for smaller, lower-hazard businesses within set size and class limits. Larger or specialized operations usually need a commercial package policy instead.
A BOP does not include workers' compensation, commercial auto, or professional liability. Those are added as separate policies.
General liability covers only liability. A BOP adds property and business income, so most businesses with a location or equipment benefit from the bundle.
Cost reflects your property values, liability limits, class of business, and location. We size the limits to how you actually operate before quoting.
General liability is one coverage. A BOP is a package that starts with that same liability coverage and adds property and business income, priced as a bundle. If you have anything at the location worth replacing, the bundle is usually the better buy.
No. Employee injuries are never inside a BOP. That is a separate policy, and in California it is required once you have an employee.
No. Owned, hired and non-owned vehicles sit on a commercial auto policy. Some carriers will endorse hired and non-owned liability onto the package, which is not the same as insuring the truck itself.
No. Claims about the quality of your advice or services are professional liability, and they are excluded from the liability half of a BOP.
Then it moves to a commercial package policy, where property and liability are still written together but the eligibility limits and the form are broader. If standard carriers decline the class outright, the excess and surplus market is the next stop.
Comparta algunos datos sobre su empresa y propiedad. Compararemos paquetes elegibles y explicaremos las diferencias.
