Business Owners Policy in Temple, Texas

What Is a Business Owners Policy?

A business owners policy—commonly called a BOP—bundles general liability insurance and commercial property coverage into a single, affordable package. Most BOPs also include business interruption coverage. For Temple small businesses, a BOP simplifies insurance by combining essential coverages at a lower cost than purchasing each policy separately. It's one of the most popular coverage options for small to mid-sized businesses.

Winkler Insurance helps Central Texas business owners find BOP coverage tailored to their industry and size.

Why Temple Small Businesses Need a BOP

A business owners policy makes sense for many small businesses. Here's why:

• Cost savings are significant. Bundling typically costs 10-15% less than buying general liability and property insurance separately.


• One policy, one payment. Simpler administration means less paperwork and fewer renewal dates to track.


• Essential coverages included. General liability, property, and business interruption coverage address most small business risks.


• Customizable with endorsements. Add coverage for equipment breakdown, cyber liability, or other specific needs.


• Widely available. Most carriers offer BOPs designed for various industries and business sizes.

What Does a Business Owners Policy Cover?

A standard BOP includes three core coverages:

General Liability
Covers third-party bodily injury, property damage, and personal injury claims. Protects against customer injuries, advertising claims, and damage your business causes to others.

Commercial Property
Covers your building, equipment, inventory, furniture, and business personal property against fire, theft, vandalism, and other perils.

Business Interruption
Replaces lost income and covers ongoing expenses if your Temple business must close temporarily after a covered property loss.

Common Add-Ons
Many BOPs can be enhanced with equipment breakdown coverage, hired and non-owned auto, cyber liability, employee dishonesty, and professional liability endorsements.

Who Qualifies for a Business Owners Policy?

BOPs are designed for small to mid-sized businesses with relatively low risk. Typical qualifications include:

• Annual revenue under $5 million


• Fewer than 100 employees


• Operations in a single location or limited locations


• Lower-risk industries like retail, offices, and services

High-risk businesses like manufacturing or construction typically need separate commercial policies rather than a BOP.

How Much Does a Business Owners Policy Cost in Texas?

BOP premiums depend on your industry, revenue, location, and coverage limits. Most Temple small businesses pay $500 to $2,500 annually for a BOP with adequate limits. Restaurants, contractors, and higher-risk businesses pay more. Winkler Insurance compares BOP quotes from multiple carriers to find competitive rates for your business.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas small businesses find affordable, comprehensive coverage through business owners policies. As an independent agency, we compare BOP options from multiple carrie