Business Owners Policy (BOP) Insurance in California
One convenient policy that bundles your business property and your liability — with cyber liability included — for small and mid-size California businesses.
Commercial policies are quoted by a licensed agent — call or text with your business details, or request a quote online and we’ll follow up fast.
In short
A business owners policy (BOP) packages two essentials together: coverage for your business property (your building and/or business personal property) and your general liability, on a single convenient policy. Auto World writes BOPs through multiple commercial carriers with liability limits up to $1 million per occurrence / $2 million aggregate, personal & advertising injury, and cyber liability included — a clean fit for restaurants, retail, offices, and personal-care shops. No online commercial quote; a licensed agent builds yours by phone or text.
What commercial auto insurance covers
Business property
Covers your building and/or business personal property — equipment, inventory, fixtures, and furnishings.
General liability
Third-party bodily-injury and property-damage protection, with limits up to $1 million per occurrence / $2 million aggregate.
Products & completed operations
Aggregate limit up to $1 million for claims from your products or finished work.
Personal & advertising injury
Included — covers claims like libel, slander, and advertising injury.
Cyber liability
Included in the program — helps with the costs of a data breach or cyber incident.
Who needs it
Restaurants
Property and liability for the dining room, kitchen, and equipment in one policy.
Retail stores
Storefront property plus customer-injury and product liability bundled.
Offices & professional services
Office contents, equipment, and operations liability together.
Salons, barbershops & nail shops
Personal-care businesses get property + liability in one convenient policy.
Home-based businesses
Coverage that a homeowners policy won’t fully provide for a business run from home.
Lessor’s risk & houses of worship
Property and liability for leased buildings and congregations (without schools or nurseries).
Get a commercial auto quote today
Tell us what you drive and what you haul — we shop multiple California commercial carriers and get you covered, often same day.
Why Auto World for commercial coverage
Property + liability + cyber in one convenient package.
Limits up to $1 million per occurrence / $2 million aggregate.
Written through multiple commercial carriers.
If your business doesn’t qualify for a BOP, we can often place general liability with some business personal property instead.
Bundle with commercial auto or workers’ comp for a multi-policy discount.
Licensed California broker, CA DOI #6005606 — call or text (619) 363-4466.
Frequently asked questions
What is a business owners policy (BOP)?▾
What limits does the BOP offer?▾
Is cyber liability really included?▾
My business type might not qualify — what then?▾
How is a BOP different from general liability alone?▾
More commercial coverage
Ready to insure your work vehicles?
A licensed California agent will compare commercial carriers and get you a quote. Call or text now — proof of insurance often the same day.