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Home > Commercial-Products > Coverage-For-Your-Business > Business Owners Policy (BOP) - Idaho Falls ID & Island Park ID

Business Owners Policy (BOP)

As a small business owner, you need quality insurance benefits that protect all aspects of your operations without breaking the bank. You also need ease of policy management and coordinated coverage that will ensure that you are never lacking critical benefits. A business owners policy (BOP) will be the insurance benefit that will provide you with comprehensive, streamlined benefits that can be optimized to your unique needs. 

At The Falls Insurance Center we take a professional, client-oriented approach to all business insurance services. We serve clients in Idaho Falls and will work one-on-one with you to develop the most optimized BOP for your needs. It’ll provide comprehensive protection with sustainability in mind. 

What is a BOP?  

Small businesses have high liabilities, but small budgets with which to insure themselves. The business owners policy was developed out of the need to provide smaller operations with streamlined and affordable commercial insurance essentials. BOPs combine several essential business insurance options into one package and at one price, allowing the business owner the flexibility to be able to utilize their benefits to their specific advantage. 

Every BOP will vary. Yet, most offer a few standard coverage options. These generally include: 

  • Property insurance: Covers physical assets like your building and the contents kept inside. 
  • General liability coverage: If the business causes property damage or injury to customers, this coverage can help you repay them for their losses. 
  • Interruption coverage: Covers you if you have to temporarily close your business after a hazard. Coverage can pay expenses like salaries or taxes though you cannot operate to make money. 

Keep in mind, your BOP won’t cover everything. You’ll likely need to augment coverage with extra policies like: 

  • Commercial auto insurance 
  • Professional liability coverage 
  • Workers’ compensation 
  • Health insurance for employees 

Other benefits, like cyber liability insurance, inland marine insurance, and specific commercial property endorsements might be available as riders to your BOP, or as separate policies. Work with your agent to set the most comprehensive policy structure for your company. 

The Benefits of a BOP 

With a BOP in place, you will be able to protect your company against numerous hazards like: 

  • Property damage caused by fires, theft, severe weather and other hazards 
  • Lawsuits brought by customers against your company 
  • Accidental damage that you do to a customer’s property 
  • Temporary halts in operations caused by unexpected problems on the property 

The BOP will provide this assistance while enabling you to avoid having to file multiple claims against separate policies for the diversity of your losses. Additionally, you will only have to pay a single premium for these policies, which can help you avoid having to pay for so many plans at different times. 

Contact us today 

Don’t hesitate to get a quote on a personalized BOP insurance policy right now! Contact The Falls Insurance Center at or request an online quote right now!  

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We are required to make visible to you the below quotation as directed by Medicare to all agents working with Medicare Advantage and Special Needs plans

Disclaimer – We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.  Please be advised that our agents can walk you through a thorough process of reviewing your options and advising you on coverage that will meet your needs without our divulging your information or exposing you to unwanted future solicitation.  Please be careful in your research there are many scams online or over the phone that may affect you.



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885 S. Holmes Ave. | Idaho Falls, ID 83401
P: 208-523-7100 | F: 208-529-0168
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