A Business Owners Policy combines General Liability and Property Insurance into a single streamlined policy, typically at a lower combined cost than purchasing each separately. For action sports and specialty entertainment businesses that own or lease a physical location with equipment on premises, a BOP can be an efficient coverage structure - as long as the underlying GL and property forms are designed for your class of business. We access BOP programs built specifically for specialty recreation operations, not repurposed from retail or restaurant programs.
What's Covered
- General Liability (third-party BI & PD)
- Commercial Property (building + BPP)
- Business Interruption / Income coverage
- Equipment breakdown
- Data breach / cyber liability (optional)
- Employee dishonesty (optional)
A BOP typically costs less than buying GL and Property Insurance separately. Not all businesses qualify — size, class of business, and revenue thresholds apply.
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