Small Business Insurance · BOP · Minnesota
A Business Owner's Policy bundles general liability and commercial property insurance into one policy — typically at a lower cost than buying each separately. For most Minnesota small businesses with a physical location, a BOP is the most efficient way to get core coverage in place.
What's Covered
A Business Owner's Policy bundles general liability and commercial property insurance into one policy — typically at a lower cost than buying each separately. For most Minnesota small businesses with a physical location, a BOP is the most efficient way to get core coverage in place.
Covers third-party bodily injury, property damage, and advertising injury. If a customer is injured at your business or you accidentally damage someone's property, GL responds.
Covers your building (if you own it), business personal property, equipment, inventory, and improvements to leased space — all at replacement cost.
Covers lost revenue and continuing expenses if a covered event forces you to close temporarily. Most BOPs include this as a standard component.
Covers damage from mechanical or electrical breakdown of boilers, HVAC, and other equipment — a common exclusion on standard property policies that many BOPs now include.
Workers compensation, commercial auto, professional liability, cyber liability, and commercial umbrella can be added to build a comprehensive business insurance program. We'll tell you what your specific business actually needs.
BOPs are designed for small to medium-sized businesses in certain eligible categories. Some businesses — contractors, manufacturers, certain service businesses — may not qualify and need standalone policies. We'll let you know upfront.
Why Dayton Insurance
We're not tied to one carrier's products. We shop across multiple companies to find the right fit — and stay with you through every renewal.
We specialize in Minnesota small business coverage. We know the gaps most business owners miss and help you close them before a claim happens.
We compare across multiple A-rated commercial carriers — not one company's products — so your quote reflects real market competition.
When you have a claim, we stay in your corner. We help you document it, work with the carrier, and follow through until it's resolved.
Ready when you are
Fill out the form and we'll get back to you within one business day. Prefer to talk now? Call or text (651) 243-0056.
Common Questions
Most retail, office, restaurant, and service businesses with revenue under a certain threshold qualify. Contractors, manufacturers, and higher-risk businesses often don't qualify for a standard BOP and need tailored commercial programs.
For many small businesses, a BOP covers the core risks — but you'll likely need workers comp if you have employees, commercial auto if you have business vehicles, and professional liability if you provide professional services. We'll help you identify what's missing.
Many carriers now offer cyber liability as a BOP endorsement. For small businesses that store customer data or process payments, this is highly recommended — data breaches and ransomware are common small business threats.
It varies significantly by business type, revenue, location, and claims history. Most small office and retail businesses pay $1,000–$3,000/year for a BOP. The best way to know is to let us get you actual quotes from multiple carriers.
