Business Owner's Policy (BOP)

Smart, Simple Coverage for Small Businesses

Running a business means juggling a lot—customers, employees, inventory, vendors, leases, and the unexpected. A Business Owner’s Policy (BOP) helps make life easier by bundling two of the most important commercial coverages into one cost-effective package.



At Spectrum Insurance, we help small businesses across Connecticut protect their property and their liability with BOPs tailored to how they operate. Whether you run a coffee shop, a salon, a service business, or a boutique, we’ll help you get covered—without overcomplicating it.

And because we’re independent, we’ll shop 25+ carriers to find a policy that fits your business and your budget.

What Does a BOP Cover?

A Business Owner’s Policy combines:

• General Liability Insurance – Covers injuries, property damage, and lawsuits from third parties (like customers or vendors)
• Commercial Property Insurance – Covers your building (if owned), equipment, inventory, and other business property from things like fire, theft, or storms

In some cases, you can also add on:

• Business Interruption Coverage – Helps replace lost income if you have to temporarily shut down due to a covered loss
• Inland Marine or Equipment Coverage
• Cyber Liability Add-ons

BOPs are perfect for small- to medium-sized businesses that want essential protection in one simple policy.

Real-World Example: A Misstep on the Job

You run a hair salon in western Connecticut. One night, a pipe bursts, damaging your floors, stations, and expensive styling equipment. You also have to close for 10 days while repairs happen.



Because you had a Business Owner’s Policy in place, your property damage is covered—and so is the income you lost during the closure. No scramble. No stress. Just coverage that works the way it should.

Who Needs Workers’ Comp in Connecticut?

Connecticut law requires most businesses with one or more employees to carry workers’ compensation insurance. This includes:

• Full-time and part-time employees
• Seasonal workers
• Certain subcontractors and 1099s depending on your business structure

We regularly help secure workers’ comp for:

• Contractors & trade businesses
• Restaurants and food service
• Retail stores
• Medical and wellness practices
• Office-based businesses with small teams

Even if you're not technically required to carry it, workers’ comp is often expected by vendors, job sites, and commercial landlords—and it’s a major trust factor when hiring.

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At Spectrum Insurance, we compare quotes from top-rated carriers across Connecticut, tailoring coverage to your specific needs, industry, and budget. You tell us what you do—we’ll find the right fit, explain it clearly, and make sure you’re not overpaying.