Bundle your property & liability into one smart policy
Simple Coverage, Built for Small Business
A Business Owners Policy (BOP) is an easy way for small businesses to get broad protection without the hassle of multiple policies. At Schutz Insurance, we help Alabama businesses combine commercial property and general liability coverage into one clear, affordable plan. Whether you own a storefront, office, or workshop, we’ll help you get covered—and stay covered—as you grow.
What It Covers
Commercial Property
Protects your building, inventory, tools, furniture, or equipment from fire, theft, and more.
General Liability
Covers legal costs if someone is injured on your property or you cause damage while doing business.
Business Interruption
Helps replace lost income if your business has to close temporarily due to a covered event.
Frequently Asked Questions
Who should get a BOP?
Retailers, office-based businesses, small contractors, salons, and more. If you have a physical location, you likely qualify.
How is a BOP different from buying separate policies?
It combines your most important coverage into one policy—saving you time and often money.
What’s not covered under a BOP?
It typically doesn’t include workers’ comp, commercial auto, or professional liability. We can help add those if needed.
Can I customize my BOP?
Yes—you can add endorsements to fit your business. We'll tailor it based on your location, assets, and exposure.
Do I need a BOP if I rent my business space?
Yes—even if you lease, you need to protect your inventory, contents, and liability inside the space.
The right BOP gives you solid protection and one less thing to worry about. At Schutz Insurance, we help Alabama small businesses get smart, simple coverage they can actually use—with guidance from agents who know how small shops really run.