Business Owners Policy Insurance in Longview, TX
A business owners policy, often called a BOP, can combine several core protections for an eligible small business. Greg Williams Insurance Agency helps Longview and East Texas business owners compare the package with their operations, property, and contract requirements.
Request a business owners policy quote or call 903-372-1901.
What a BOP typically combines
General liability: Protection for certain covered claims involving injury to others or damage to their property. The policy’s definitions, exclusions, and limits still apply.
Commercial property: Coverage for insured buildings or business belongings, such as equipment and inventory, when damaged by a covered cause of loss. Review values, deductibles, and tenant improvements.
Business income and extra expense: Coverage may help with eligible lost income and additional expenses after a qualifying covered property loss interrupts operations. It does not insure every reason a business might close.
Does your business fit a BOP?
Most likely yes if you are a retail shop, office, restaurant, salon or small service business with under about $5 million in sales and a building or contents to insure; contractors with field crews and anything with heavy vehicles usually need a separate package instead. Eligibility depends on the insurer and the business’s operations, size, location, property, and loss history. Offices, shops, and some service businesses may be candidates. Restaurants and contractors need attention to their specific activities. If a BOP does not fit, we can discuss a commercial package or separate policies.
Review what needs separate coverage
Do not assume a BOP includes workers’ compensation, commercial auto, professional liability, cyber coverage, or commercial umbrella insurance. Some protections may be available by endorsement; others require another policy. Ask about equipment breakdown, spoilage, tools away from the premises, and hired or non-owned auto exposures where relevant.
Email your declarations pages for a BOP quote
Email your current business owners policy or business insurance declarations pages to greg@gregagency.com. Include your preferred contact information, renewal date, and a brief note about any business changes. We will review your coverage and follow up for the operating details, property values, and documents needed to compare quotes. Starting a new business? Email a short description of your work and the business address to get started.
Common business owners policy questions
Is a BOP the same as general liability?
No. A BOP generally combines liability with property and other coverage. A standalone general liability policy serves a different purpose.
Will it cover a shutdown without property damage?
Not automatically. The trigger, covered location, waiting period, restoration period, and exclusions matter. Review the actual business income provisions.
What does a BOP cost?
For a small Longview office or shop, often $600 to $2,000 a year; restaurants and businesses with high property values run higher. A useful comparison needs your operations, property values, chosen limits, and deductibles. We can compare available quotes without assuming a price range fits every business.
Explore our business insurance overview, restaurant coverage, and contractor coverage, or request a quote.
Coverage reference: Travelers business income and extra expense overview.
Coverage and eligibility depend on insurer underwriting and the issued policy. A quote request does not bind insurance.
Reviewed by Greg Williams, Texas-licensed independent insurance agent and owner of Greg Williams Insurance Agency, Longview, TX. Last reviewed October 2026. Price ranges are illustrative; your premium depends on the carrier's rating of your business.