General liability
Third-party bodily injury, property damage, personal and advertising injury, and legal defense — the liability foundation of the package.
Commercial lines — Jackson, MS & Mississippi
Business Owners Policy
General liability and commercial property bundled into one policy — sized for Mississippi's small and mid-sized businesses at a lower cost than separate policies.
Start my quoteA business owners policy (BOP) bundles the two coverages almost every business needs — general liability and commercial property — along with business interruption protection, in one package with one premium and one renewal.
For eligible businesses, a BOP costs meaningfully less than buying the coverages separately. We'll confirm your eligibility, add the endorsements your industry calls for, and quote the package across our carriers.
What a BOP covers
The protection, piece by piece.
Commercial property
Your building (if owned), business personal property, and inventory against fire, theft, windstorm, and other covered perils.
Business interruption
Pays lost income and ongoing expenses while your business recovers from a covered property loss — often the most valuable part of the package.
Equipment breakdown
Optional breakdown protection for the machinery and systems your business depends on — HVAC, refrigeration, and production equipment.
Optional endorsements
Add-ons like cyber liability, employee dishonesty, hired & non-owned auto, and umbrella limits layered on top to fit your operations.
Worth knowing
Details that make the difference.
Eligibility is size and industry based
BOPs are designed for smaller businesses in lower-to-moderate-risk industries. Larger risks and certain industries need a commercial package policy instead — we'll place you correctly.
Know the exclusions
Professional errors, employee injuries, and commercial vehicles are excluded from a BOP — they need E&O, workers' comp, and commercial auto policies. We'll map every gap.
Endorsements tailor the package
The base BOP is a starting point. Spoilage, outdoor signage, data breach, and employment practices endorsements are common additions for specific industries.
One renewal, one review
A bundled policy means one renewal date and one review conversation — easier to manage and easier to keep limits aligned as the business grows.
BOP questions
Common questions, answered.
Get your BOP quote.
Tell us about your business and a licensed Triad advisor at our Jackson office will confirm your eligibility, tailor the endorsements, and come back with clear options — for businesses anywhere in Mississippi.