Business Owner’s Policy (BOP)  for Orlando Small Businesses

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Bundle Your Property and Liability Coverage – And Save

Running a business in Orlando means wearing a lot of hats—and managing a lot of risk. A Business Owner’s Policy in Florida (often called a BOP) is a smart way to streamline your coverage without missing the essentials. It combines two foundational coverages—general liability and commercial property insurance—into one easy, affordable package.


At The White Agency, we help retail shops, professional offices, and service businesses throughout East Orlando, Baldwin Park, and beyond get the protection they need in a single policy. For many local businesses, a BOP isn’t just convenient—it’s a cost-saver.

Core Coverages Built for Everyday Business Risks

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General Liability Insurance

Covers lawsuits, injuries, and damage to others. Whether it’s a customer slipping in your store or a claim of advertising injury, liability coverage has your back.

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Commercial Property Insurance

 Protects your building (if you own it), inventory, equipment, and furniture from damage caused by fire, theft, vandalism, or storms.

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Business Interruption Coverage

Pays for lost income and operating expenses if a covered event (like a fire) temporarily forces your business to close its doors.

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Perfect for Small Businesses Across Orlando

Affordable, flexible, and designed for business owners like you.

Not every business qualifies for a BOP insurance policy in Orlando, but many do. If you run a small to mid-sized business with a physical location and moderate revenue, chances are you're eligible.


From a cozy shop in Thornton Park to a professional firm in Waterford Lakes, a BOP might be the most efficient way to insure your operation.


  • Brick-and-mortar retail stores
  • Independent professionals and consultants
  • Offices (real estate, accounting, therapy, etc.)
  • Small cafes, delis, or light restaurants
  • Service businesses with inventory or equipment

We’ll assess your eligibility and tailor the policy with optional coverages if needed—like professional liability or cyber protection.

Simple answers to big questions about BOPs

What Business Owners Want to Know

If you’re exploring a small business insurance package in Florida, chances are you’ve come across the term BOP. Here’s what local business owners like you ask us most often.

  • What’s the difference between a BOP and general liability?

    A BOP includes general liability but adds property and business interruption coverage, all in one policy.

  • Is a BOP cheaper than buying policies separately?

    Usually, yes. BOPs are designed to offer bundled savings for eligible small businesses.

  • What’s not included in a BOP?

    Workers’ comp, commercial auto, and health insurance are separate. We can help with those, too.

  • Can I customize a BOP?

    Absolutely. You can add endorsements like data breach coverage or employee dishonesty if needed.

  • Do I qualify for a BOP?

    If you operate a small to midsize business with a physical location and aren’t in a high-risk industry, you likely do.

  • How much does BOP insurance cost in Orlando?

    Costs vary, but many small businesses pay $500–$2,000 annually depending on size, coverage limits, and industry.