Business Owners Policy


There are millions of small businesses in the U.S. and many of them can be found right here in Virginia.

Whether you own a small retail establishment, manage a bed or breakfast, sell jewelry or run a restaurant, all small businesses have something in common: risks that need protection.

What is a BOP?

In a single, convenient package, a BOP provides the core insurance that most small businesses need, including:

  • Property Insurance: Protection for your building or office space, as well as property owned by your business, such as equipment and inventory.
  • Liability Insurance: Coverage for costs that arise if someone is injured at your business or by using your products or services.
  • Business Interruption Insurance: Also known as Business Income insurance, this coverage replaces lost revenues in the event that your business has to shut down due to fire, wind damage or other covered losses.

BOP Advantage

A Business Owners Policy (BOP) is a prepackaged policy designed to fit the needs of small to medium businesses. One attractive aspect is that the business must fit the policy rather than the policy fitting the business.

In other words—not every business qualifies.

The idea behind a packaged BOP is to eliminate higher risk businesses from eligibility, and in return, a BOP offers very attractive rates.

Does My Business Qualify?

This depends on the type of business you own and its’ daily operations.

It’s also important to understand that a BOP doesn’t cover all risks associated with running a small business. For example, if you have employees you may be required to carry workers compensation insurance.

If you have a business-owned vehicle, you’ll need additional coverage.

Get Started

A BOP is just one available options for business owners in Virginia.

When your ready to start a discussion about properly protecting your business, contact the family of Independent Agents at Dove Insurance.

For Over 40 years we’ve served the Commonwealth of Virginia; helping clients find the coverage for their needs.


Discover everything an Independent Agent can do for you.

Dove Insurance serves Virginia; including Blacksburg, Catawba, Centreville, Christiansburg, Covington, Floyd, Galax, Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, Wytheville. We provide home insurance, auto insurance, small business insurance, umbrella insurance, commercial auto insurance, life insurance, earthquake insurance, flood insurance and liability insurance.