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Business Owners Policy (BOP)



A Business Owner's Policy, or BOP, is a policy that combines commercial property and general liability coverage into one convenient insurance package. It is common for small to mid-sized businesses to have BOP coverage, as it can be customized to fit some specific industry needs, and often saves clients money as opposed to purchasing these coverages separately. Novum's has many markets that are leaders in this type of coverage for many classes of business, and we are committed to the highest professional and service standards to meet the needs of our retail agent partners.

Target Classes

Restaurants, Fast Food, & Diners

Retail Stores

Artisan Contractors

Professional Offices

Medical Offices

Repair & Service Operations

Beauty Salons & Day Spas



Special Events

Pet Care & Services


Apartment Buildings

Lessors Risk (without habitational occupancy)

+ many more

Add-on Coverages

Blanket Additional Insured

Blanket Waiver of Subrogation

Cyber Liability

Employment-related Practices Liability (EPLI)

Hired & Non-Owned Auto Coverage

Industry specific extension endorsement (hotels, franchise, professional office, restaurants, etc.)

Inland Marine - scheduled or employee tools & equipment

Liability Extension Endorsement

Property Extension Endorsement

Professional Liability / Errors & Omissions (E&O)

Spoilage and/or Contamination

+ more

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Submit BOP easily with Novum Online

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