Business Owners Policy (BOP) in Indiana
Streamlined Protection for Indiana’s Small Businesses
Running a small business means wearing a lot of hats — your insurance coverage shouldn’t be one more thing to juggle. A Business Owners Policy (BOP) bundles essential protections into one smart, affordable package.
At Hadley Insurance, we help businesses across Danville, Brownsburg, Hendricks County, and throughout Indiana get the right BOP coverage for their needs. As an independent, veteran-owned agency, we’ll help you compare options from top-rated carriers and keep your business protected — without the hassle.
What’s Included in a Business Owners Policy?
A BOP combines core coverages most small businesses need:
- General Liability Insurance – Protects against claims of injury, property damage, or legal action
- Commercial Property Insurance – Covers damage to buildings, inventory, furniture, and equipment
- Business Interruption Coverage – Helps cover lost income and operating expenses if you’re forced to temporarily close
- Optional Endorsements – Add industry-specific protections based on your trade or risk exposure
Common Add-Ons to Customize Your BOP
Depending on your business type, we can enhance your BOP with:
- Equipment breakdown
- Data breach & cyber liability
- Outdoor signage protection
- Employee dishonesty coverage
- Commercial auto (added separately)
Who Needs a Business Owners Policy in Indiana?
A BOP is ideal for small to mid-size businesses that own property or serve the public, such as:
- Retail shops and boutiques
- Restaurants, cafes, and food trucks
- Small manufacturers or distributors
- Professional offices and consultants
- Tradespeople and contractors with a physical location
Local Risks to Consider in Indiana
Indiana businesses face risks that make bundled coverage especially valuable:
- Storm damage to buildings or signage
- Business interruption from fire or utility outages
- Customer injuries at your storefront
- Theft or vandalism of stock or equipment
Frequently Asked Questions
Business Owners Policy (BOP) in Indiana
Is a BOP required by law in Indiana?
No, but many landlords and lenders require proof of coverage to rent or lease space.
How is a BOP different from general liability?
A BOP includes liability plus property and business income protection — it’s more comprehensive.
Can I bundle other coverages with a BOP?
Yes. You can add cyber liability, equipment breakdown, and other endorsements to tailor your policy.
How much does a BOP cost in Indiana?
Premiums vary by industry and size but are typically more affordable than buying each policy separately.
Who qualifies for a BOP?
Most small businesses in low-to-moderate risk industries qualify — we’ll help you find out fast.
Protect Your Business With One Simple Policy
Indiana BOP Coverage That Works as Hard as You Do
Hadley Insurance makes it easy to protect your property, your people, and your peace of mind — all in one place. Serving Danville, Brownsburg, and all of Indiana, we’re here to help your business thrive.