Compare Business Owner’s Policy Quotes

Compare business owner’s policy quotes with Spot

A package name tells you little, so Spot lines up what each BOP quote actually includes for property, liability and lost income.

Compare quotes from 25+ business owner’s policy providers

How it works

Share each BOP proposal and your current policy, plus your own estimates of what your equipment, furniture and stock are worth.

Maple Street Co.Organized by Spot

Spot separates the property section, the liability section and the income coverage in every quote, so you compare each part and not just the bundle.

Business owner’s policy

Maple Street Co. · Policy review

Confirm with your broker

Limits, exclusions, and endorsements

Tell your Spot team how long you’d need to reopen after a fire or similar loss. They check each quote’s income trigger and payment period against it.

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AlexMaple Street Co.

Can you help compare our business owner’s policy options?

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Let’s prepare the information for your broker and compare the terms, not just the price.

Pick the package that fits your operations and your lease. Your Spot team helps you bind it and sends certificates when your landlord asks.

Insurance documents

Quote comparison

Business owner’s policy

Coverage limits · Policy terms

Maple Street Co.

01
Property values and valuation terms
How each quote values your equipment, furniture and stock, and whether your estimates match its numbers.
02
Property deductibles
The amount you pay on a covered property loss, which can differ between packages.
03
Liability limits
The per-occurrence and aggregate amounts for injury and property-damage claims, compared separately from the property section.
04
Income coverage trigger
What kind of covered shutdown starts income payments. Not every closure qualifies, so read the trigger before the limit.
05
Waiting and payment period
How long before income payments begin and how long they last, compared with how long your business would need to reopen.
06
Property exclusions
Flood, earth movement and wear and tear are commonly excluded. See which ones each quote carves out.
07
Eligibility
BOP availability depends on what your business does. Confirm each quote fits your operations as you described them.

01
A listed income limit that runs out sooner than you need
The dollar figure matters less than how long payments last after a covered shutdown.
02
Property values that don’t match yours
A package rated on lower values may pay less after a loss than you expect.
03
Pieces the package doesn’t include
Auto, workers’ compensation and professional liability aren’t included automatically. Don’t let a package name stand in for them.
04
Excluded causes of loss
Flood and similar exclusions mean a cheaper-looking quote may protect against less.