Simple, Smart Coverage for Small Business
Business Owners Policy (BOP) in Missouri
Bundled Protection for Your Property, Liability, and More
BOP Insurance Made for Missouri’s Small Businesses
Running a small business means managing risk, without overcomplicating your coverage. A Business Owners Policy (BOP) bundles essential protections like property and general liability into one affordable package. At Fortner Insurance, we help Missouri businesses customize BOP coverage to match how and where they operate.
Whether you own a retail store in Springfield, a nonprofit in Columbia, or a professional office in Joplin, we’ll walk you through the options and tailor a BOP that fits your needs and your budget.
What We Offer
Business Owners Policies Built Around Real-World Risk
Commercial Property Insurance
Covers your building, equipment, furniture, and inventory against fire, theft, storms, and more.
General Liability Coverage
Protects you if someone is injured or their property is damaged because of your business.
Business Interruption Insurance
Helps replace lost income if your operations are temporarily shut down due to a covered loss.
Optional Endorsements
Add coverage for data breach, equipment breakdown, hired/non-owned auto, or outdoor signage.
Flexible Limits & Deductibles
Customize your policy to meet contract or lease requirements.
Affordable Bundling
Get two foundational coverages in one simplified and cost-effective package.
Why Missouri Businesses Bundle With Fortner
Smart Coverage. Local Agents. Straightforward Pricing.
We Make Insurance Easier
One policy. One premium. No runaround. We’ll help you understand your BOP from the first quote to annual reviews.
We Know Missouri Business
From retail and service shops to faith-based organizations, we help all types of small businesses manage their risk.
We’re Here for the Long Haul
As your business grows or changes, we’ll make sure your coverage grows with you.
Business Owners Policy FAQs
What Missouri Business Owners Ask Most
What is a Business Owners Policy (BOP)?
It’s a bundled insurance package that includes general liability and property coverage—designed specifically for small to midsize businesses.
Who qualifies for a BOP in Missouri?
Retail stores, offices, restaurants, and many service-based businesses often qualify. We’ll help you determine eligibility.
Is a BOP cheaper than buying separate policies?
Usually, yes. Bundling liability and property coverage into one policy often reduces your total premium.
Can I customize my BOP with add-ons?
Absolutely. You can add protection for cyber liability, tools and equipment, data loss, and more.
Do nonprofits or churches qualify for BOP coverage?
Some do—especially if they operate community spaces or programs. We’ll help you review your options.