Business Owners Policy (BOP) in Texas—Simple, Smart Small Business Coverage

What Is a Business Owners Policy (BOP)?

A Business Owners Policy, or BOP, is a package designed for small businesses—combining the core coverages most owners need into one affordable, easy-to-manage policy. With a BOP, you get:

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General Liability Insurance

Covers injuries, property damage, and lawsuits that can arise from running your business.

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Commercial Property Insurance

Protects your building, equipment, inventory, furniture, and signage.

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Business Interruption Coverage

Pays for lost income and operating expenses if your business can’t operate after a covered loss (like fire, storm, or vandalism).

Who Qualifies for a BOP?

BOPs are perfect for many small and mid-sized businesses in Texas, including:

  • Retail shops and stores
  • Professional offices and clinics
  • Restaurants, cafes, and bakeries
  • Service businesses (salons, repair, cleaning)
  • Contractors with physical locations


Not sure if your business qualifies? Our agents will review your operations, location, and size to find the right fit.

Popular Endorsements—Customize Your Protection

Every business is different. Legacy Insurance Agency helps you tailor your BOP with endorsements for:


  • Data breach/cyber coverage
  • Equipment breakdown
  • Employee dishonesty
  • Hired and non-owned auto liability
  • Outdoor signage, tools, or special equipment


We’ll guide you through options and explain which add-ons make sense for your business—so you’re not over- or under-insured.

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BOP vs Separate Policies—Why Bundle?

Fewer Gaps

One policy means coverage is coordinated, reducing the risk of missing something critical.

Simplified Management

Fewer bills, one renewal date, and one contact for claims or questions.

Better Value

BOPs are often more affordable than buying separate general liability and property policies.

Expert Advice

Legacy’s agents help you compare options and make the best decision for your operations and budget.

Advisor-Led Process—Local Support, Statewide Service

With Legacy, you never have to figure it out alone. We’ll walk you through a short intake, tailor a BOP to your exact needs, and stay by your side for claims, changes, or annual reviews. No self-service portal runaround—just real people who know Texas small business.