Describe what you do and where
Tell us about each location and the work done there. Eligibility for a package policy depends on your business, so your Spot team starts with your operations.
Maple MarketOrganized by Spot
Business Owner’s Policy Quotes
Get business owner’s policy quotes with Spot
Describe your locations, property and what you do, and your Spot team prepares the submission brokers use to quote a package policy.
Get quotes from 25+ business owner’s policy providers
- Locations, property and operations described once
- Property, liability and income terms compared quote by quote
- Keep your broker or switch, with no commissions on premiums
How it works
List what you own
We help you inventory equipment, furniture and stock, and note what a shutdown would affect, so the submission reflects what you would need to replace.
Business owner’s policy
Maple Market · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take it to market
We work with brokers to check eligibility and request proposals from insurers that write package policies for businesses like yours.
# spot-support
JordanMaple Market
What do we need to request business owner’s policy quotes?
RileySpot
Let’s prepare the information for your broker and compare the terms, not just the price.
Compare each part of the package
Property values and deductibles, liability limits and the income-coverage timeline are lined up quote by quote.
Insurance documents
Quote requestBusiness owner’s policy
Coverage limits · Policy terms
Maple Market
What you’ll need
- 01
Locations and what happens at each
Addresses and the activities at each, since a BOP’s availability depends on what the business does.
- 02
Property inventory
Equipment, furniture and stock you want covered, with your estimate of what each is worth.
- 03
Building details
Whether you own or lease each location, which affects what property you insure.
- 04
Revenue or sales
Annual figures that insurers use to rate the liability part of the package.
- 05
Income patterns and essential operations
What a shutdown would stop and how long you would need to reopen, so business interruption fits your reality.
- 06
Current policy
Your expiring coverage, so changes between current and proposed terms are clear.
- 07
Needs beyond the package
Auto, workers’ compensation or professional liability, which a BOP doesn’t include automatically.
What affects your price
- 01
What your business does
Your activities decide both whether you qualify and how the package is rated.
- 02
Property values
More equipment and stock to insure means a larger property premium.
- 03
Liability limits
Higher liability limits cost more.
- 04
Deductibles
A higher deductible on property can lower the premium.
- 05
Business interruption terms
The waiting period and how long income payments last affect what you pay.
Providers your broker can approach
Get quotes from 25+ business owner’s policy providers.
- Alliance Risk
- Amelia Risk
- biBerk
- Chubb
- CNA
- Corgi
- Coterie Insurance
- And many more
Common questions
Can any small business buy a BOP?
No. Eligibility depends on what the business does, so we start with your operations before we request proposals.
Does a BOP include workers’ compensation or auto?
Not automatically. Those, and professional liability, may need separate policies, and Spot can take them to market alongside.
Is a BOP the same as general liability?
No. A BOP combines general liability with property and business interruption for eligible businesses.
Is a broker still needed to buy a BOP?
Brokers take the submission to market, and Spot works with yours or helps you find one. We take no commissions on premiums.
Related
Get insurance off your to-do list.
Describe your locations, property and what you do, and your Spot team prepares the submission brokers use to quote a package policy.
Get StartedLearn more before you get quotes
Read these before you choose a policy or an insurer.
