The smartest, most affordable way for Utah small businesses to get covered: general liability and commercial property bundled into one streamlined policy, often at a better price than buying them separately.
A Business Owners Policy (BOP) combines two of the most important coverages a small business needs, Commercial General Liability and Commercial Property, into one convenient, cost-effective package. Because carriers bundle these coverages for lower-risk small businesses, a BOP usually costs less than buying each policy on its own.
It's an ideal fit for retail shops, offices, restaurants, salons, professional services, contractors, and light-industrial businesses in Utah. A BOP protects you against third-party bodily injury and property damage claims, covers your building or tenant improvements and business contents, and includes business income (interruption) coverage that replaces lost revenue if a covered loss forces you to temporarily close.
At Alcreo Insurance, we tailor every BOP to your actual exposure: property valuation, business income limits, equipment, and any specialty endorsements your lease or contracts require, like liquor liability or professional liability. Because we're an independent brokerage appointed with The Hartford, Liberty Mutual, AmTrust, CNA, Hiscox, and NEXT, we compare multiple options to land you the right coverage at the most competitive price.
Need it fast? Many BOPs can be quoted and bound instantly online through NEXT, or let our agents shop the broader market for a custom-built package.
Bundling liability and property usually beats buying separate policies.
Covers lawsuits, property damage, and your business contents in one place.
Replaces lost revenue if a covered loss shuts you down temporarily.
Add the endorsements your industry, lease, or contracts require.
Ready to protect your business the smart way? Apply online in minutes and we'll compare BOP options across our top carriers to deliver the right coverage at the right price, or get an instant quote through NEXT and be covered today.
We handle the quoting, paperwork, and certificate of insurance so you can get back to running your business.
Through our trusted MGA partner, BTIS (Builders & Tradesmen's Insurance Services), we can quote a wide variety of business niches — from contractors and small retail shops to professional offices and specialty risks. This partnership gives us access to a network of top-rated national carriers, allowing us to deliver competitive pricing and tailored coverage options across hundreds of industries.
