Nadler Insurance — Since 1927

Business Owner's Policy (BOP) in San Carlos, CA

A small business insurance quote bundle from an independent San Carlos broker serving San Mateo County and the Peninsula since 1927. A BOP combines general liability and commercial property into one policy — the smart starting point for most small businesses, with simplified coverage and competitive pricing.

What a BOP Typically Includes

General Liability

Covers third-party bodily injury, property damage, and personal/advertising injury claims. The liability foundation of your business protection.

Commercial Property

Covers your building (if owned), business equipment, inventory, furniture, and fixtures against fire, theft, vandalism, and other covered perils.

Business Interruption

Replaces lost income and covers ongoing expenses if your business is shut down due to a covered loss. Keeps you afloat during recovery.

Equipment Breakdown

Often included or available as an add-on. Covers mechanical and electrical breakdown of equipment like HVAC, computers, and refrigeration.

Data Breach Coverage

Some BOPs include basic cyber coverage for data breach response costs. For comprehensive protection, consider standalone cyber liability.

Hired & Non-Owned Auto

Available as an endorsement. Covers liability when employees use personal vehicles for business or when you rent vehicles.

Small Business Insurance Quotes for San Carlos and the Peninsula

Nadler Insurance writes Business Owner's Policies for small businesses across San Mateo County and the Peninsula. From our San Carlos office at 1560 Laurel Street, we serve owners in Belmont, Redwood City, San Mateo, Burlingame, Foster City, Millbrae, South San Francisco, San Bruno, Half Moon Bay, Atherton, and Menlo Park, as well as San Francisco and Santa Clara County.

A Bay Area BOP typically bundles general liability, commercial property, and business interruption — the three coverages most San Mateo County businesses need to satisfy a commercial lease, a client contract, or a municipal permit. We place BOPs through Travelers, The Hartford, Chubb, CNA, Hanover, and Liberty Mutual, and add property insurance, hired-and-non-owned auto, equipment breakdown, or cyber endorsements where the business actually needs them. We'll review your operations and quote multiple carriers before recommending an approach.

Businesses That Benefit from a BOP

  • Retail stores. Clothing boutiques, gift shops, specialty retailers.
  • Professional offices. Accountants, consultants, marketing agencies.
  • Service businesses. Salons, repair shops, cleaning services.
  • Small restaurants. Cafes, bakeries, food service (eligibility varies).
  • Contractors. Many small contractors start with a BOP and add coverage as needed.

Frequently Asked Questions

What is a Business Owner's Policy (BOP)?
A BOP bundles general liability and commercial property insurance into one convenient policy, often at a lower cost than buying them separately. It's designed for small to medium-sized businesses and includes essential coverages in a single package.
Who qualifies for a BOP?
BOPs are designed for small to medium-sized businesses with relatively low risk profiles. Typical qualifiers include retail stores, offices, restaurants (sometimes), service businesses, and contractors. Very large businesses or high-risk industries may need separate policies.
What's not covered by a BOP?
BOPs typically don't include workers compensation, commercial auto, professional liability (E&O), employment practices liability (EPLI), or health insurance. These need to be purchased separately based on your business needs.
How much does a BOP cost?
BOP premiums vary widely based on your industry, location, revenue, property values, and coverage limits. Small businesses might pay $500-$3,000+ annually. We'll get you quotes from multiple carriers to find competitive pricing.
Can I customize my BOP?
Yes. While BOPs come with standard coverages, you can typically add endorsements for things like hired/non-owned auto, equipment breakdown, employee dishonesty, and more. We'll help you build a policy that fits your specific risks.
Does Nadler Insurance write BOPs for San Carlos and Bay Area businesses?
Yes. Nadler Insurance writes Business Owner's Policies for small businesses in San Carlos, Belmont, Redwood City, San Mateo, Burlingame, Foster City, Millbrae, San Bruno, South San Francisco, Half Moon Bay, Atherton, Menlo Park, and the rest of San Mateo County, as well as San Francisco and the Peninsula into Santa Clara County. Our office is at 1560 Laurel Street in San Carlos, CA 94070.
How do I get a business insurance quote for property and liability together?
A Business Owner's Policy (BOP) is usually the most efficient way to get bundled property and liability coverage in one quote. Start with our quote form or call 650-508-8000. We'll need your business name, operations, annual revenue, square footage, payroll, and any contracts or leases that specify required limits. Most small business BOPs can be quoted within 24-48 hours.

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