Business Owners Policy (BOP)

Clothing store display with jackets, t-shirts, shoes, and accessories organized on shelves and racks, with warm lighting and a blue and white geometric wall background.

In many cases, it is actually cheaper to purchase a BOP over a stand-alone GL policy.

What’s the difference between a BOP and a General Liability policy?


Imagine a BOP is like a ready-to-eat salad. It comes with everything you need. Because it's made for a lot of people, it's cheaper.

The other option is to make your own salad. You get to pick exactly what you want, but it will most likely cost more.

We are insurance "salad" connoisseurs, and will point you in the right direction.

General Liability + Business Personal Property

A person working on a laptop at a white desk with a cup of coffee, a smartphone, a remote control, a calculator, and a notepad with pens.

Quoting Factors

How Exposed are you to risk?

Underwriters take your line of work, business location, and years of experience into factor.

Claims history.

Have you had claims in the past? Can you foresee any potential claims?

High coverage requirements.

How much coverage are you looking to have? Do you have expensive assets?

Possible Add-Ons

  • Cyber Liability

  • Desk with tax documents, a credit card bill, a smartphone, a pen, and a calculator.

    Loss of Income

  • Person signing a document at a table, with papers and flowers nearby.

    Errors & Omissions

  • Broken blue and white ceramic plates scattered on a concrete floor

    Equipment Breakdown

Our clients like us, a lot!

  • Solar Panel Installers

    “You are my insurance guys!! Thank you for answering all my questions!”

  • Cabinet Maker

    “You are the man! Thank you for finding me savings year after year."

  • Psychologist

    “You found me better policy, and much faster than my last broker.”

There’s lots to love about Erazo Insurance Services

  • A smiling man with glasses and a beard sitting on a couch in a cozy living room.

    Your broker will always be your point-of-contact

  • A young man with dark hair, wearing a checkered shirt and patterned tie, smiling in front of a gray textured background.

    We shop for you year after year.

  • A young man with short dark hair, glasses, and a broad smile, dressed in a black suit and tie, standing outdoors with trees and a fence in the background.

    We are easy to get a hold of. Just call, text, or email.

Meet the Team