Business & Commercial Fleet • Licensed Texas Agency

Compare Texas Business Owners Policy (BOP) Insurance Quotes

The smartest package for Texas offices, medical/dental clinics, retail stores, restaurants, salons, and light-industrial shops: bundle Commercial General Liability, Business Property, and Business Income at a package discount.

✓ GL + Property + Business Income ✓ Commercial Lease Compliant ✓ 30+ Admitted BOP Markets
30+ Texas Carriers Compared

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3 Core Protections in 1 Policy

Combines $1M/$2M General Liability + Replacement Cost Contents/Building + 12 Months Actual Loss Sustained Business Income.

Retail & Office Landlord Ready

Satisfies triple-net (NNN) Texas commercial lease insurance clauses—including tenant glass, signage, and Landlord Additional Insured.

Industry-Tailored Enhancements

Built-in extensions for Equipment Breakdown, Spoilage, Employee Dishonesty, Accounts Receivable, and Outdoor Signs.

What Texas Business Owners Policy (BOP) covers — and Texas rules to watch

Plain-English underwriting guidance from licensed Texas producers so you never buy blind or miss a critical endorsement.

Core Protections

What’s Covered

  • Commercial General Liability ($1M/$2M or $2M/$4M): Premises slip-and-falls, products/completed operations, tenant legal liability, and Landlord Additional Insured.
  • Business Personal Property (BPP) & Tenant Improvements: Covers inventory, computers, medical/dental chairs, kitchen equipment, POS systems, furniture, and your build-out improvements.
  • Owned Commercial Building (Optional): Insures owner-occupied Texas office buildings, clinics, warehouses, and retail properties at Replacement Cost.
  • Business Income & Extra Expense: Replaces lost net profit, continuing payroll, and temporary relocation rent for up to 12 months while rebuilding after a covered fire, hail, or pipe loss.
  • Equipment Breakdown & Spoilage: Covers sudden mechanical/electrical failure of commercial HVAC units, walk-in coolers, boilers, and perishable restaurant/medical stock.
  • Optional Hired/Non-Owned Auto, Cyber & E&O: Conveniently endorse HNOA, Data Compromise/Cyber, and Employment Practices Liability (EPLI) right onto many Texas BOPs.
Texas Underwriting Watch-Outs

Exclusions, Deductibles & Endorsements

  • Triple-Net (NNN) Lease Tenant Build-Out & Glass Duties: Texas retail and medical leases often make the tenant responsible for plate glass, exterior illuminated signs, HVAC units on the roof, and all interior build-out value—include those dollars in your BPP limit!
  • Heavy Contractors & High-Hazard Ops Use CPP Instead of BOP: Roofers, heavy highway contractors, bars with >50% liquor receipts, or giant manufacturing plants don't fit standard BOP eligibility—we quote Commercial Package Policies (GL + Commercial Property) seamlessly.
  • Wind/Hail Deductibles on Owned Buildings: In North Texas and Houston, check building wind/hail percentage deductibles and cosmetic roof endorsements carefully.
  • Professional Advice Still Needs E&O: Consultants, CPAs, IT firms, engineers, and med-spas need Professional Liability alongside their BOP.
Texas Statutory, Lender & Contract Alignment

Texas Commercial Lease Compliance & SBA Loan Hazard Requirements

Signing a Texas office, warehouse, or retail strip-center lease—or closing an SBA 7(a) / 504 business acquisition? Our producers review your lease's insurance exhibit line by line so your COI, Lender's Loss Payable, and Waiver of Subrogation clauses pass landlord legal review on the first try.

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How We Shop Your Rate

One 3-minute intake. 30+ Texas carriers competing.

Skip repeating your details to five captive websites. Complete one structured Texas underwriting file and compare real bindable options.

01 ~3 Mins Online

Complete your Texas Business Owners Policy (BOP) file

Answer only the exact underwriting questions Texas carriers need to generate a real, bindable rate—plus upload your current dec page if handy.

Zero duplicate typing
02 30+ TX Carriers

Licensed Texas agent shops the panel

A licensed producer compares admitted and specialty underwriters for your exact Texas county, deductible preferences, and multi-policy discounts.

Soft inquiry • Never hurts credit
03 Same-Day Proof

Bind & receive official proof

Review side-by-side options by email, text, or phone—with same-day ID cards, lender binders, SR-22s, or commercial COIs once bound.

All 254 Texas counties
Comparing 30+ TDI-admitted Texas carriers across all 254 counties
+ 25 More Markets — Start Quote
Progressive Insurance
Auto • Commercial Truck
Travelers Insurance
Home • Auto • BOP
Safeco Insurance
Homeowners • Umbrella
The Hartford
Business • Fleet • WC
Hiscox Business Insurance
General & Prof. Liability
NEXT Insurance
Contractors • Instant COI
Kemper Insurance
Auto • Same-Day SR-22
Texas Mutual Insurance Company
Texas Workers’ Comp

Bundle & companion Texas coverages

Close dangerous policy exclusions and unlock multi-policy discounts by combining companion coverages in a single intake.

Smart Texas Pairing

BOP + Workers' Compensation

Protect your staff and lock in multi-policy credits with Travelers, The Hartford, AmTrust, or NEXT.

Smart Texas Pairing

BOP + Cyber Liability

Handle POS cards, patient charts, or client wire transfers? Add standalone or endorsed Cyber protection.

Smart Texas Pairing

BOP + Professional Liability

Complete package for Texas consultants, agencies, IT MSPs, architects, and healthcare practices.

Texas Business Owners Policy (BOP) — Frequently asked questions

Answers to the most common Texas statutory, lender, and underwriting questions.

Insurance carriers package low-to-moderate-risk small and mid-sized businesses onto a pre-bundled Business Owners Policy form, typically saving 15% to 25% vs. monoline policies while throwing in Business Income and Equipment Breakdown.
Professional offices, medical/dental/vet clinics, retail boutiques, e-commerce warehouses, coffee shops/restaurants, salons/barbershops, fitness studios, HOA/commercial lessors, IT/marketing firms, and light artisan trades.
Yes—if physical damage from a covered peril (like a burst overhead pipe, fire, or tornado) forces your location to suspend operations, Actual Loss Sustained Business Income pays lost net profit and ongoing operating expenses like rent and key payroll.
Yes! For businesses without company-owned vehicles whose employees occasionally drive personal cars to the bank, post office, or client sites, adding HNOA to a BOP is fast and economical.
Yes, if you want rising-water flood protection—commercial BOPs exclude surface floodwater just like homeowners policies.
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