BOP Business Owners Policy | Downes Insurance Associates | Delaware, Maryland and Virginia

Business Owners Policy (BOP) Insurance

Business Owner’s Policy (BOP) Insurance in Delaware, Maryland & Pennsylvania

Protect your small business in DE, MD & PA with a Business Owner’s Policy (BOP)—the most efficient way to bundle essential commercial coverages into a single, affordable package from Downes Insurance.

What Is a BOP—and Why It Matters

A BOP combines general liability, commercial property, and business income coverages into one tailored policy—designed for small to mid-sized businesses seeking streamlined protection against fire, theft, lawsuits, and operational disruption

Why Choose a BOP Through Downes Insurance?

Bundled Savings & Simplified Coverage: BOPs offer cost advantages versus standalone policies, plus one renewal, one claim process, and a single point of contact
Comprehensive Protection: Property coverage for your location, liability for customer claims, and income protection if business halts unexpectedly
Localized Expertise: Licensed to serve companies in Delaware, Maryland & Pennsylvania—bringing state-specific risk awareness and carrier access

Coverage Highlights

General Liability: Protection against third‑party bodily injury and property damage

Commercial Property: Safeguards your equipment, inventory, and premises from fire, theft, or storm damage

Business Income: Helps replace lost revenue and cover operating costs during closure

Optional Add‑ons: Customize with crime, data breach, equipment breakdown, and more

(Note: Workers’ comp, professional liability, and auto policies are typically separate.)

BOP Eligibility

Ideal for small to mid-sized businesses (e.g., offices, retail shops, light contractors) meeting typical eligibility—fewer than ~100 employees, modest revenue, and lower-risk operations.

Serving Business Owners Across Delaware, Maryland & Pennsylvania

Our local agents understand the unique commercial insurance challenges across the Mid‑Atlantic:

Delaware (Wilmington, Newark, Dover, Milford & beyond)
Maryland (Annapolis, Easton, Kent Island, Chester & surrounding regions)
Pennsylvania (Lancaster County, Chester County, West Chester, Kennett Square, etc.)

No matter where you operate, Downes Insurance is your partner for tailored BOP solutions.

Bundle & Save Even More

Already protecting your business with property or workers’ comp coverage, or insuring a vehicle? Add a BOP and access multiline discounts for even greater savings—plus easier billing and coordinated claims handling.