Business Owner’s Policy (BOP) Insurance

Chubb BOP Insurance is developed from our renowned commercial package, Customarq, to provide superior coverage tailored for your small business. This state-of-the-art policy is crafted to address specific industry risks with multiple features for property and liability insurance.

• Property enhancements including a unique automatic blanket limit of insurance concept that ties together essential property coverages. This allows you to use your insurance dollars where you need it the most following a loss.
• Liability enhancements including broad named insured and blanket additional insureds
• Privacy and data breach
• Earthquake (in selected states)
• Employment practices liability
• Foreign liability including kidnap and ransom
• Electronic data liability
• Equipment breakdown
• Water back-up and sump overflow
• Professional liability insurance for barbers, dental labs, florists, funeral directors, hair stylists, hearing aid establishments, optical establishments, printers, and veterinarians
• Crime, including forgery and alteration, money and securities, as well as employee dishonesty

At Chubb, we recognize that every small business is unique. That is why we crafted customizable insurance products to fit your needs. Key features of Chubb BOP Insurance include:

• Chubb Small Commercial Insurances's dedicated underwriting team supports all standard and financial lines products
• Paperless PDF quote proposal and policies are generated instantly

Building your portfolio with Chubb means broad, state-of-the-art insurance protection all in one place. Add supporting insurance products to Chubb's Business Owner's Policy for the complete insurance solution.

Umbrella – Umbrella insurance from Chubb provides an additional layer of coverage over existing liability policies, offering your small businesses even more protection.

Workers' Compensation – Our workers’ compensation policy provides small business owners with a broad insurance solution to help protect them and their employees should an injury or illness occur on the job. Chubb provides more than just excellent coverage, we provide world-class claims service and peace of mind that comes with being a Chubb insured. 

Commercial Auto – Chubb's commercial auto policy includes personal injury protection, uninsured and underinsured motorist limits up to $1M as well as endorsements that include additional coverages where available.

Management & Professional Liability – Chubb's ForeFront Portfolio suite provides additional management and professional liability insurance including employment practices, crime, and cyber liability.

Cyber Enterprise Risk Management (ERM)/DigiTech® ERM – Using a three-pronged approach, Cyber ERM and DigiTech ERM incorporate risk transfer, loss mitigation services, and post-incident services to help protect your small business from constantly evolving cyber risks.