Direct Answer
General liability insurance covers third-party injuries and property damage, while a Business Owner’s Policy (BOP) bundles general liability with commercial property coverage. Many Indiana small businesses choose a BOP for broader protection and cost efficiency.
What General Liability Insurance Covers
General liability typically helps with:
Bodily injury to customers or visitors
Property damage caused by your business
Advertising or personal injury claims
Legal defense and settlements
It does not cover your building, equipment, or lost income.
What a Business Owner’s Policy (BOP) Includes
A BOP usually combines:
General liability insurance
Commercial property insurance
Business interruption coverage
This bundle is often more affordable than buying policies separately and is common for small to mid-sized businesses.
Which Is Right for Your Business?
It depends on factors like:
Whether you own or lease space
The value of your equipment or inventory
Industry risk level
Contract or landlord requirements
Many Indiana businesses outgrow general liability alone as operations expand.
Indiana-Specific Insight
Across Central Indiana, retail stores, offices, and service-based businesses often benefit from a BOP because it protects both liability exposure and physical assets under one policy.
If you’re unsure whether general liability or a BOP makes sense for your business, a local Indiana insurance broker can review your risks and recommend the right fit.
