Business Owner's Policy


The following is a general overview of the Business Owner's Policy (BOP) coverage available through HPSO.

Click here to read about APTA MEMBERs Exclusive BOP Program.

To receive a rate quote, call 1-866-283-7128 or use our online quote process.

When requesting a quote you must select the following:

  • Building Coverage Limit (if you own your building)
  • Business Personal Property Amount
  • Deductible
  • Liability Limit

The BOP automatically includes the remaining package coverages at no additional charge.

Property Coverage

Building - Standard Form (Named Peril) or Special Form (All Risk) Your building amount
Business Personal Property Your contents amount
Property Deductible $250, $500 or $1,000
Business Income & Extra Expense Actual loss sustained - 12 months
Appurtenant Structures $50,000
Accounts Receivable $25,000
Money & Securities-Inside Premises $10,000
Money & Securities-Outside Premises $5,000
Valuable Papers $25,000
Ordinance or Law Coverage $25,000
Fire Department Service Charge $25,000
Newly Acquired Building $500,000
Personal Property at Newly Acquired Building $250,000
Tenant's Glass $25,000
Identity Recovery $15,000
Equipment Breakdown Included
Terrorism Included

Liability Coverage

Premises Liability (BI/PD single limit) $1,000,000 or $2,000,000
Products/Completed Operations (BI/PD single limit) $1,000,000 or $2,000,000
Personal and Advertising Injury $1,000,000 or $2,000,000
Damage to Premises Rented to You $1,000,000 or $2,000,000
Medical Expenses $10,000
Legal Expenses for Court or Review Boards $5,000
Hired & Non-Owned Aut $Optional

Healthcare Providers Endorsement (Optional)
(This is only a brief overview of the coverages provided by this endorsement.)

Blanket Coverage Limit can be used for:

    Medical Supplies
    Spoilage-Perishable Medicines & Supplies
    Accounts Receivable
    Computers & Media
    Valuable Papers & Records

$150,000
Brands & Labels Up to Business Personal Property limit
Claims Expense $10,000
Computer Fraud $5,000
Employee Dishonesty $25,000
Forgery $25,000
Fine Arts $25,000
Outdoor Signs Full value
Salesperson's Samples $5,000
Sump Pump Overflow or Failure $50,000
Sewer & Drain Back Up Up to Business Personal Property limit
Personal Effects $25,000

Receive a 5% package discount when you place both your Business Owner's Policy and Workers' Compensation with the same carrier through HPSO.

Workers' Compensation

Workers' Compensation coverage is governed by your state's Workers' Compensation laws. In general, it provides:

  • Medical Coverage: pays for employee work-related accidents, injuries or illnesses
  • Wage Loss Benefits: pays for employee work-related accidents, injuries or illnesses
  • Employers Liability: protects you from lawsuits made by your employees for work-related accidents, injuries or illnesses

To receive a rate quote, call 1-866-283-7128 or use our online quote process.


Other available coverages include:

  • Commercial Liability Umbrella
  • Commercial Auto Coverage
  • Employment Practices Liability (EPL)
  • International Coverages for International Businesses
  • Kidnap, Ransom and Extortion Coverage

To Request a Quote today, contact us toll-free at 1-866-283-7128 or Click here to complete a Request for Quotation form.


PLEASE NOTE: At the present time, Staffing Firms and Home Health Care Services are not eligible for the Workers' Compensation program.


Questions about HPSO's Business Insurance Products? Click here

Coverage availability may vary by state.

A variety of options, limits and deductibles let you customize the coverage to your firm's needs and budget.

To receive a rate quote call 1-866-283-7128 or use our online quote

Contact Us:

HPSO-Sponsored Business Insurance Products
159 E. County Line Road
Hatboro, PA 19040-1218
Phone: 1-866-283-7128
Fax: 1-800-567-4028

Email: businessinsurance@hpso.com