Business Owner's Policy (BOP)

Offered by NEXT Insurance

Business Owners Policy BOP


NEXT Overview:

NEXT Insurance is proud to introduce its new Business Owner's Policy (BOP), a comprehensive insurance solution designed to meet your small business clients' unique needs. Combining affordability, tailored coverage, and a simplified quoting process, our new BOP product bundles liability and property coverage into one policy. 

    • Broad appetite with over +1,300 professions available
    • Quote and bind online for businesses up to $5M in annual revenue
    • Admitted and A- Rated by A.M. Best
    • Direct Bill, Automatic Renewal, Flexible Payment Options
    • No trailing documents needed to bind

    Target Professions

    We can write BOPs for more than 1,300 professions, from food and beverage to professional services to home-based businesses.

    • Food and beverage
    • Professional services
    • Health and wellness
    • Sports and fitness
    • Cleaning
    • Creative services
    • Education
    • Retail

    Underwriting Guidelines:

    • Maximum Revenue: $5M
    • Maximum TIV: $2M

    Liability overview  

    Limits available: $500k/$500k to $2M/$4M

    Deductible: $0

    Liability coverage enhancements:

    • Umbrella/excess liability
    • Cyber insurance
    • Liquor liability
    • Professional liability
    • Employment practice liability insurance (EPLI)
    • Damage to rented premises (Tenant Legal Liability)
    • Hired and non-owned auto

    Property overview

    Limits available: Building coverage, Business personal property, Business income and extra expense

    Deductible: $500 - $5,000

    Property coverage enhancements

    • Theft
    • Money and securities
    • Outdoor signs
    • Employee dishonesty
    • Equipment breakdown
    • Food spoilage and food contamination
    • Water backup and sump overflow
    • Utility services
    • and more

    Helpful Links: 

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    Has Pen

    Appointment Required

    Carrier Information

    NEXT Insurance US Company


    Rating A-

    Rating By AM Best

    Offered By

    NEXT Insurance

    13 listings in 50 states + DC

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    Availability 10 states

    Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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