One package that covers what most Central Valley businesses need
A business owner’s policy bundles the coverages a small or mid-size business needs most — property and general liability — into one policy that’s simpler to manage and usually costs less than buying them separately. Insurance City is a local independent brokerage in Stockton, and a BOP is where a lot of our Central Valley business clients start.
What a BOP typically includes
- General liability — third-party injury and property-damage claims.
- Commercial property — your building, equipment, inventory, and contents.
- Business interruption — replaces lost income if a covered loss shuts you down.
- Optional add-ons — equipment breakdown, data/cyber, hired & non-owned auto, and more.
A BOP fits retail shops, offices, and many service businesses. If your operation is more complex — or you’re a contractor who doesn’t need everything in a BOP — we’ll tell you straight and build coverage around what you actually do.
Why local owners work with us
We’re independent, so we shop your business across major commercial carriers instead of one company’s appetite — and there are no broker fees on standard policies. We review what you already carry, find the gaps, and explain the exclusions before you sign. Our team is bilingual (English / Español) and based right here in Stockton.
Get a BOP quote
Tell us what your business does and where, and we’ll put together comparative quotes across carriers. Call (209) 670-1556 or request a quote below.
New to commercial coverage? See our Central Valley Business Insurance Guide for how the coverages fit together.
Frequently Asked Questions
What is a business owner's policy (BOP)?
It bundles general liability with commercial property and usually business interruption into one policy that is simpler and typically cheaper than buying them separately.
What is the difference between a BOP and general liability?
General liability is one coverage; a BOP bundles it with property and income coverage. We will tell you which fits — contractors, for example, often just need standalone GL.
Does a BOP include workers' comp or commercial auto?
No — those are separate policies, along with professional liability. We build the full program around what your business actually does.
Insurance City offers comparative quotes on Business Owners Package Insurance from multiple insurance carriers so you can get the best possible rate.
Want to see how much we can save you Just request a quote to find out.