Business Owners Policy Insurance

SME Insurance

Business Owners Policy Insurance

Business Owners Policy, also known and referred to as BOP is an enhanced business insurance policy which combines property insurance alongside general liability insurance.

It is often a mistake by small business owners that their general liability insurance will cover all losses as well as any losses to their customers. On the whole, a general liability insurance policy does not protect you when it comes to your own property. In order to protect your own property, it is a good idea to take out a business owners policy (BOP).

A business owners policy will cover two main insurances:

Who Needs Business Owners Policies?

There are all sorts of reasons why a business owners policy will be helpful for your business needs. Those who require a general liability insurance policy, as well as owning business equipment such as computers, printers and furniture would certainly find this policy fits their needs well.

If you own the building at which you work and need to insure the property, this sort of insurance policy could also be a good match. If you also own and work with large amounts of data on a regular basis, this could be a suitable policy for your needs also. Our team here at Erskine Murray are always happy to discuss the needs of your business and help you choose the right products to fit your insurance requirements.

Directors and Officers Insurance could also be very useful for a business owner as any decision made which has a negative impact of the company or shareholder can be used to sue. Having this cover will make you less vulnerable when making big decisions for your business.

What are the main benefits of a BOP?

The main reason business owners policy can be a useful insurance to choose is that it combines all the major insurance policies a business could need into one package. This means you will only have one renewal date to be concerned with, rather than several different policies all requiring renewals at different times and for different prices. The Business Owners Policy can keep it simple and save time for your whilst you focus on running your business!

There are, of course, some areas which are NOT covered within a business owners policy. Generally, professional liability, car insurance and health insurance are not included as part of this type of policy, so it is important that you consider all the risks you may need to cover when organising your insurance for your business.

SME Insurance by Sector


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Directors’ and Officers’

Often referred to ad 'D&O', this policy is designed to defend individuals against damaging claims.

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


One policy for fleets of all sizes. Our online platform compares insurers within minutes, so you know you have the right cover.

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

Motor Trade

For dealerships, mechanics, valeters, bodyshops and everything in-between, we've got you covered.


Including buildings, contents, liability, unoccupied and rental protection.

Golf Course

Golf courses possess specific risks which specialised golf course insurance can help protect you against.


Whether you are a small independent bakery, or a larger chain, it is vital you consider your level of business insurance.

IT Contractors

From basic repairs and builds through to emergency cover, your clients call on you for your expert knowledge and skill.

Coffee Shop

There are many risks associated with not only running a successful business, but in serving hot drinks and food to the public.


Professional indemnity insurance is an important policy, as you are offering professional services to other people & businesses.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Interruption Insurance

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Wholesalers Insurance

Erskine Murray can help wholesalers to find the appropriate insurance to manage the risks to your industry and provide the right protection for your business needs.

Tech Start Up Insurance

Here at Erskine Murray, we make it easier for you to cover and protect your business with several appropriate policies packaged together.

Media Professionals Insurance

The media and marketing industries can be vulnerable to claims of negligence for what are in fact basic errors.

High Net Worth Insurance

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Graphic Designer Insurance

As the risks can be fairly wide ranging, there are lots of appropriate insurance policies which can be useful for graphic designers.

Consultants Insurance

As a consultant, your clients rely on you for your service and advice as well as being an expert in your field of work.

Civil Engineering Insurance

At Erskine Murray we understand the many risks associated with those involved with working at height, extreme depth and working with asbestos.

Contractors All Risk Insurance

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Domiciliary Care Insurance

If you are a self-employed carer, or you run a home care business, you are in a position of trust and responsibility.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.