---
title: "Business Owner’s Policy Quotes"
description: "Get business owner’s policy quotes with Spot: we gather your locations, property and income needs, take one submission to market and compare the packages."
canonical: "https://spot.insure/insurance/business-owners-policy/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/business-owners-policy/quotes)

## Agent Guide

**What this page is:** Get business owner’s policy quotes with Spot: we gather your locations, property and income needs, take one submission to market and compare the packages.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# 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.

- 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

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=business-owners-policy&icp=retail)

## How it works

- **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.
- **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.
- **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.
- **Compare each part of the package.** Property values and deductibles, liability limits and the income-coverage timeline are lined up quote by quote.

## What you’ll need

- **Locations and what happens at each.** Addresses and the activities at each, since a BOP’s availability depends on what the business does.
- **Property inventory.** Equipment, furniture and stock you want covered, with your estimate of what each is worth.
- **Building details.** Whether you own or lease each location, which affects what property you insure.
- **Revenue or sales.** Annual figures that insurers use to rate the liability part of the package.
- **Income patterns and essential operations.** What a shutdown would stop and how long you would need to reopen, so business interruption fits your reality.
- **Current policy.** Your expiring coverage, so changes between current and proposed terms are clear.
- **Needs beyond the package.** Auto, workers’ compensation or professional liability, which a BOP doesn’t include automatically.

## What affects your price

- **What your business does.** Your activities decide both whether you qualify and how the package is rated.
- **Property values.** More equipment and stock to insure means a larger property premium.
- **Liability limits.** Higher liability limits cost more.
- **Deductibles.** A higher deductible on property can lower the premium.
- **Business interruption terms.** The waiting period and how long income payments last affect what you pay.

## Coverage

- [Business owner’s policy](https://spot.insure/insurance/business-owners-policy/quotes)

## 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.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/business-owners-policy/quotes.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)