At Sepia insurance Agency, we work with business owners policy BOP.
A Business Owner's Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. A BOP doesn't cover your employees. You'll need a separate workers' compensation policy.
It is usually sold at a lower premium than the cost of all the individual coverage is sold separately.