Business Owner’s Policy in Texas

One smart policy. Two big protections.

If you're a small business owner in Texas, a Business Owner’s Policy—commonly called a BOP—can give you solid coverage without the hassle of managing separate policies. At Tatum Insurance Group, we help local business owners across East Texas combine liability and property coverage into one affordable, easy-to-manage package.

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Smart protection for busy business owners.

A BOP bundles two essential coverages: general liability and commercial property. That means you're protected if someone gets hurt at your shop and if your inventory is damaged in a fire. It's a great fit for small retail stores, service businesses, offices, and more. If you’re in Frankston, Tyler, or anywhere nearby, we’ll help you find the right BOP and customize it with the extras your business needs.

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Twice the Coverage. One Simple Policy.

A Business Owner’s Policy is designed for convenience, combining core protections under one roof. We’ll help tailor your policy so it fits your space, your risks, and your industry.

General Liability

Covers injuries, property damage, and lawsuits tied to customer interactions.

Commercial Property

Protects your building, inventory, tools, and equipment from fire, theft, and more.

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Business Interruption

Helps cover lost income and expenses if your business is shut down temporarily.

Custom Endorsements

Add-ons like equipment breakdown, cyber liability, or crime coverage available as needed.

Got questions about BOP insurance in Texas?

  • What is a Business Owner’s Policy and who needs one?

    A BOP is a bundled policy that combines property and liability insurance. It’s ideal for small to mid-sized businesses with a physical location or inventory.

  • Does a BOP include general liability?

    Yes—general liability is one of the core coverages included. It protects against common business risks like customer injuries or property damage.

  • What’s the difference between a BOP and standalone general liability?

    General liability only covers third-party risks. A BOP adds property protection and often comes with a lower combined premium.

  • Can I customize my BOP with extra coverage?

    Absolutely. We can add protection for your specific industry needs—whether it's outdoor signage, lost income, or specialized tools.