Policies

Business Owners Policy (BOP) Insurance

Smart, bundled protection for small and mid-sized businesses across Georgia and the Southeast.

Why Your Business Needs a Business Owners Policy (BOP)

A Business Owners Policy (BOP) combines essential coverages—general liability and commercial property—into one streamlined policy designed to protect businesses from common loss scenarios.

Fast Certificates

Understanding labor risks, customer vehicle liability, and on-site safety challenges.

Smart Coverage Design

Policies structured to reduce gaps and control risk.

Claims Advocacy

Dedicated support to protect you during claims.

What This Policy Covers

General Liability

Commercial Property

Business Income & Extra Expense

Equipment Breakdown (Endorsement)

Crime / Employee Theft (Endorsement)

Hired & Non-Owned Auto Liability

INDUSTRIES WE INSURE

Contractors & Trades

Municipalities

Real Estate Investors & Developers

Transportation & Logistics

Professional Services

Staffing

Hospitality

Discovery & Understanding

Design & Placement

Ongoing Support & Renewal Review

COMPLEMENTARY COVERAGES

Linked Coverage Blocks:

Workers Compensation

Commercial Auto

Cyber Liability

Builders Risk

Professional Liability

Umbrella Insurance

Why Businesses Choose T. Hudson Risk Advisors

Industry-specific expertise

Fast certificates and contract support

Claims advocacy

Multi-carrier access

Why Businesses Choose T. Hudson Risk Advisors

Industry-specific expertise

Multi-carrier access

Fast certificates and contract support

Claims advocacy

FAQs

1. What is a Business Owners Policy?

A BOP bundles essential coverages like general liability and property insurance into one cost-effective policy.

Yes. Our team reviews your contracts, highlights required coverages, and builds programs that align with GC insurance standards — including Additional Insured endorsements, Primary & Non-Contributory wording, Waivers of Subrogation, and per-project aggregate limits. We also help you understand which items are negotiable and which are mandatory, so you can protect your business without taking on unnecessary contract obligations.

Most certificates are issued the same day — often within a few hours. For urgent jobsite requests, our service team provides priority turnaround to keep your projects moving without delays. We maintain a streamlined internal process specifically for contractors, ensuring your COIs are clean, accurate, and fully aligned with GC or project-specific requirements.

Most certificates are issued the same day — often within a few hours. For urgent jobsite requests, our service team provides priority turnaround to keep your projects moving without delays. We maintain a streamlined internal process specifically for contractors, ensuring your COIs are clean, accurate, and fully aligned with GC or project-specific requirements.

Most certificates are issued the same day — often within a few hours. For urgent jobsite requests, our service team provides priority turnaround to keep your projects moving without delays. We maintain a streamlined internal process specifically for contractors, ensuring your COIs are clean, accurate, and fully aligned with GC or project-specific requirements.

Most certificates are issued the same day — often within a few hours. For urgent jobsite requests, our service team provides priority turnaround to keep your projects moving without delays. We maintain a streamlined internal process specifically for contractors, ensuring your COIs are clean, accurate, and fully aligned with GC or project-specific requirements.

Get the Right BOP Coverage
Built for Your Business