Business Owners Policy


Multiple Levels of Coverage in One Convenient Policy
For small- to medium-sized businesses, controlling costs is everything.  Designed to save you money, a Business Owners Policy (BOP) is a special policy that combines Commercial General Liability coverage and Commercial Property Coverage into one affordable policy.

Kemper's Business Owners Policy provides what many consider necessary coverage for small businesses in one convenient policy, offering:

  • Commercial Property Insurance - Protects your property as well as property in your care (in case it’s lost, stolen, or damaged). This coverage will pay for the replacement cost of those items. You can add an extra layer of protection by choosing to include Business Interruption insurance on your Commercial Property policy, which covers your lost income in the event your business shuts down because of a disaster.  
  • Commercial General Liability Insurance - Provides coverage when your company is legally determined to be responsible for harm done to another person or their property. This harm may be caused by something your business does or fails to do. Liability insurance usually covers court and medical fees.

Business Owners Policy Frequently Asked Questions

Can you also add Professional Liability coverage to a Business Owners Policy?
Yes, you can add Professional Liability insurance to your policy to protect your company from civil suits from a dissatisfied customer. If you provide a service or advice to your customers, professional liability insurance is a smart investment.

Where can I go to find an independent insurance agent in my neighborhood?
You can find a local independent insurance agent through our Find an Agent tool.

How can interested independent agents get appointed to sell Kemper Auto insurance?
Interested agents can apply by filling out this form.

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.