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Business Owner's Policy

A Business Owner’s Policy bundles property and general liability coverage for small businesses, usually at a better price than buying them separately. Harvey Insurance writes BOPs for Texas small businesses across every industry.

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Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

Coverage Built for Texas Small Business

Texas has one of the most active small-business markets in the country — service businesses, retail, restaurants, contractors, professional firms, light manufacturing. A Business Owner’s Policy is the right starting structure for most of them: property coverage for your space and equipment, general liability for third-party claims, business interruption built in. Harvey Insurance has been writing BOPs for Texas small businesses for years. Give us a call and we’ll walk through what fits your operation.

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What’s Covered

Business Owner's Policy Coverage Details

We work with top commercial carriers to provide comprehensive BOP coverage — protecting your property, your customers, and your bottom line with a single policy.

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Commercial Property
Covers your building, equipment, inventory, and business personal property from fire, theft, and other covered losses.
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General Liability
Protects your business if a customer or third party is injured or their property is damaged at your location.
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Business Income Insurance
Replaces lost revenue if your business is forced to shut down temporarily after a covered property loss.
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Equipment Breakdown
Covers the cost to repair or replace essential business equipment that breaks down due to mechanical failure.
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Hired & Non-Owned Auto
Covers liability when employees drive personal or rented vehicles for business purposes.
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Cyber Liability Add-On
Optional coverage for data breaches, ransomware, and other cyber incidents — increasingly essential for small businesses.
Across Texas

What a BOP actually covers

Three core components, plus a few add-ons depending on your business:

Property

Your Space & Equipment

Buildings (if owned), tenant improvements, business personal property, inventory. Texas weather realities — hail, hurricane, freeze events — all factor in.

Liability

Third-Party Claims

General liability covers customer or visitor injuries, property damage you cause to others, and legal defense if you get sued. Critical for any business with foot traffic.

Business Interruption

Lost Income

If a covered event shuts you down, business interruption coverage can replace lost income while you recover. Texas businesses on the coast or in tornado country see this matter.

Why Harvey Insurance

Built on trust. Driven by service.

We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.

01

Backed by Trusted Carriers

We work with the most trusted and recognized carriers in the country — giving our Texas clients access to strong coverage and reliable claims support.

02

True Local Expertise

We understand the specific risks Texas residents and businesses face and write every policy with that knowledge front and center.

03

Genuine Relationships

When you have a question or a claim, you reach us — the same people who wrote your policy. We know your name and advocate for you, every time.

Client Reviews

Real people. Real results.

FAQ

Common questions about Business Owner’s Policies

What is a Business Owner’s Policy (BOP)?
A BOP bundles the core coverages most small businesses need — commercial property, general liability, and business interruption — into one policy that prices better than buying the pieces separately. It’s the standard starting point for storefronts, offices, and small operations.
Who should have a BOP?
Small and mid-sized businesses with premises, equipment, or inventory to protect: retail shops, offices, restaurants, salons, contractors with shops, professional practices. If your business has both property and customers, a BOP almost certainly beats piecing coverage together.
What does a BOP not cover?
The big three exclusions: workers’ compensation (see our workers’ comp page), business vehicles (that’s commercial auto), and professional errors & omissions. Those are separate policies layered alongside the BOP as the business needs them.
What does business interruption coverage actually do?
If a covered event — fire, storm damage — shuts your business down, it replaces the lost income and covers continuing expenses like rent and payroll during the closure. For most small businesses, the income stream is worth more than the equipment; this is the coverage that protects it.
How much does a BOP cost in Texas?
It varies with the industry, revenue, property values, and location — but BOPs are priced for small business budgets, and bundling is exactly why. The honest answer is a quote: fifteen minutes with real numbers beats any published average.
I run my business from home — do I still need business coverage?
Very likely. Homeowners policies sharply limit business property and generally exclude business liability — a client injured at your home office or a $10,000 equipment loss usually isn’t covered. Home-based business coverage is inexpensive and closes a gap most owners don’t know they have.

Ready to insure your Texas business?

Quotes vary by industry and size — same-day callbacks from a local agent.

Sales
(469) 513-3379
Email
sales@harveyinsurance.co
Location
Addison, TX — Serving TX, OK & AR
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