Business Owners Policy (BOP)
Think of a Business Owners Policy as a homeowner’s policy for your business. A BOP combines general liability and commercial property insurance into a single, convenient package—offering essential coverage in one streamlined policy.
BOPs are typically designed for small to mid-sized businesses with annual gross sales under $3–5 million. They are ideal for companies looking for comprehensive protection without the complexity of customizing multiple individual policies.
Businesses that commonly benefit from a BOP include:
- Bakeries
- Dental Laboratories
- Barber and Beauty Shops
- Dry Cleaners and Laundromats
- Engraving Services
- Fast Food Restaurants & Diners
- Funeral Homes
- Gas Stations and Convenience Stores
- Jewelry Repair Shops
- Mailing & Addressing Services
- Pizza Shops
- Printing Companies
- Photographers
- Shoe Repair Shops
- Tailors
- Taxidermists
TV & Appliance Installation and Repair Services
This is not an exhaustive list—many other types of businesses may qualify. The best way to find out if a BOP is right for your business? Talk with us. Charlie Schein will guide you through the options and help match you with the policy that fits your business’s needs.
Many of our insurance carriers offer their own unique versions of a BOP—some are specifically tailored to businesses like yours. Let’s find the one that’s right for you.
Business Insurance Types
Commercial Property Insurance
Commercial Property Insurance protects your physical assets—such as buildings, inventory, and equipment—against loss or damage from a variety of events.
This type of coverage is often bundled with:
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General Liability
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Crime & Fidelity
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Inland Marine
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Equipment Breakdown
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Farm Property
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Commercial Auto
Do you need all of these? Maybe not. Charlie Schein and the Star-Schein team will help you design a policy that meets your specific risk profile without paying for unnecessary extras.
Commercial Auto Insurance
If your business owns vehicles, you need Commercial Auto Insurance. While it may resemble personal auto coverage, there are key differences in how policies are structured and how claims are handled.
Commercial Auto Insurance is designed to protect your business vehicles, your drivers, and your bottom line. From delivery vans to service trucks, we’ll help ensure you’re properly covered.
Workers’ Compensation
If you have employees in Connecticut, Workers’ Compensation Insurance is required by law.
This coverage provides:
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Medical benefits for employees injured on the job
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Wage replacement during recovery
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Legal protection if an employee sues due to a workplace injury
Don’t risk your business’s compliance or finances. We’ll help you secure the right workers’ comp coverage for your team.
Group Health Insurance
Looking for affordable, effective group health coverage? We offer a range of customizable group health insurance options that help you attract and retain great employees—while staying within budget.
Whether you’re shopping for a new plan or evaluating your current coverage, Charlie Schein can guide you through the available options and make sure you’re getting the value your team deserves.
Let's Talk
At Star-Schein Insurance, we make protecting your business simple, clear, and personalized. Reach out today to schedule a consultation with Charlie Schein—let’s build a plan that works for your business.
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