Kivulink
Business Owner’s Policy
Property + liability, bundled.
A BOP bundles commercial property and general liability into one policy — usually the most cost-effective starting point for a small business.
COMMERCIAL & BUSINESS · BOP · GL · E&O · WORKERS’ COMP
Built around your business, not a template.
Bundled Business Owner’s Policies, general liability, professional liability, workers’ comp, and group supplemental benefits for teams of 3 to 49.
Get a commercial quote →- Response within one business day
- No obligation, no pressure — ever
- Your information is never sold
NEW MARKETS
Trucking & commercial auto — just opened.
New specialty markets mean fleets, box trucks, and owner-operators that were hard to place last year can be shopped properly now. Ask before your renewal date.
Shop my business →What we place
- Commercial auto & trucking
- BOP — property + liability bundled
- Group supplemental, 3–49 employees
Independent — appointed with 50+ carriers, including specialty markets
Coverage that grows with the business.
Hover or tap a card for the details.
General liability & E&O
Claims and professional-error protection.
GL covers third-party injury and property damage; E&O covers professional mistakes. Many contracts require proof of both before you can start work.
Workers’ compensation
Required in many states once you hire.
Covers medical costs and lost wages if an employee is hurt on the job — and protects the business from the lawsuit that could follow.
Group supplemental
3–49 employees · Aflac available.
Accident, critical illness, and hospital indemnity benefits your team pays into voluntarily — a benefits upgrade that costs the business little to offer.
Three steps to covered.
- 01
Tell us about the business
What you do, team size, and current coverage if any.
- 02
We match the markets
Standard and specialty carriers compete — including the new trucking capacity.
- 03
Proof when you need it
Policies explained in plain language, documents delivered promptly.
Business questions, answered.
Can you place trucking or commercial auto?
Yes — new specialty markets just opened for fleets, box trucks, and owner-operators. Bring your current policy and we’ll shop it.
What does a BOP actually include?
Commercial property plus general liability in one bundle — and we can attach E&O, workers’ comp, or commercial auto as you grow.
We have 12 employees — can we offer benefits?
Yes. Group supplemental benefits work from 3 to 49 employees, including Aflac options your team opts into voluntarily.