We Help Protect Your Business With Coverage That Works Together.
Bundle essential business protection into one simple policy.
A Business Owners Policy (BOP) combines commercial property and liability coverage into a single, customizable package. Whether you own a shop, run an office, or operate out of a small warehouse, we help you cover the risks that matter—without overcomplicating your insurance.
We Simplify Coverage for Small and Midsize Businesses
A BOP is ideal for many small businesses in New Mexico and Southern Colorado. We’ll help you tailor it to your size, industry, and location.
Commercial Property Insurance
Protects your building, equipment, inventory, signage, and furnishings from fire, theft, and other covered losses.
General Liability Insurance
Covers third-party injuries, property damage, or legal claims from customers or visitors.
Business Interruption Coverage
Helps replace lost income if your business has to close temporarily due to a covered event.
Optional Add-Ons & Endorsements
We’ll walk you through options like cyber, crime, equipment breakdown, and outdoor signage coverage.
FAQ
What kinds of businesses qualify for a BOP?
Many retail stores, offices, service businesses, and restaurants qualify. We’ll confirm whether your business meets the criteria.
What’s the difference between a BOP and separate policies?
A BOP bundles key coverages for simplicity and savings. Separate policies offer more customization but can be more expensive.
Is a BOP required by law?
No—but if you rent a commercial space, your landlord may require liability coverage. A BOP helps you meet those requirements.
Can I adjust my BOP as my business grows?
Yes—BOPs are flexible. We’ll review your policy regularly to make sure it keeps up with your needs.
Let’s Start the Conversation
Whether you're updating your coverage or exploring options for the first time, we’re here to make insurance simple, personal, and stress-free. Let's talk about what matters to you—and how we can help protect it.