Cost Guide
BOP insurance cost (2026)
General liability + property + business interruption, priced together — here's what small businesses pay.
Most small-business BOPs run $600–$3,000/year. Low-risk service businesses (consulting, e-commerce fulfillment) sit at the low end. Higher-risk (restaurants, contractors, retail with high foot traffic) run higher.
Typical BOP by industry
Consultant / professional office · $500–$900
Low property, low third-party exposure. Add professional liability separately.
Retail storefront · $1,000–$2,200
Property + inventory + foot-traffic liability.
Restaurant · $2,400–$5,500
Fire/cooking hazard drives property premium, plus higher liability.
Small contractor · $1,400–$3,500
Contractor BOPs often exclude subs — pair with dedicated GL.
E-commerce (with warehouse) · $900–$1,800
Property risk is inventory; product liability optional endorsement.
What underwriters ask about
- Annual revenue
- Number of employees
- Square footage and building type
- Building age, roof age, sprinklers
- Prior claims history (last 5 years)
- Subcontractors used
- Cooking, welding, or other fire hazards
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