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Bundle liability and property coverage into one cost-effective policy for small businesses.
Licensed in PA, TX, VA, MD, OH, TN & KY only. Quotes available for these states.
Quick Answer
Injury and property damage claims.
Buildings, equipment, inventory.
Income replacement after losses.
Protection for key equipment.
Theft and forgery protection.
Costs to keep operating.
Why You Need It
A Business Owner’s Policy (BOP) combines essential coverages like general liability and commercial property into one convenient package. It protects your business from property damage, lawsuits, and income loss, helping you stay protected and keep operations running smoothly.
Low-risk office businesses.
Retail or light manufacturing.
Higher-revenue operations.
Industry
Risk varies by business type.
Property values
Higher values increase premium.
Location
Local risk affects pricing.
Claims history
Previous losses impact rates.
Many small to mid-size businesses qualify based on revenue and risk.
No. Workers comp is separate.
Turnaround varies by business details and carrier requirements. We will confirm timing after review.
Cyber endorsements can be added if needed.
Most BOPs include income replacement after covered losses.
Yes. We can schedule multiple locations under one policy.
It can be included as an endorsement.
Yes. Limits can be customized for your needs.
Quote Support
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Contact Us
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Local Coverage
Dragon Insurance Services is a licensed independent business insurance agency at 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011. We help small businesses across Camp Hill, Lemoyne, Harrisburg, Enola, and Cumberland County compare Business Owner's Policy quotes that bundle GL and property coverage from 30 plus carriers.
A BOP is typically the most cost-effective way to protect a small business. We confirm which carriers accept your industry and find the right limits for your operations. Call 717-229-5115 or get a free quote online.
Locally based in Camp Hill, PA, serving clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
Blog
Business Owner's Policy guidance, combining property and liability coverage for small businesses.
May 8, 2026
Business Owner's Policy (BOP) The Smart Way to Bundle GL and Property Coverage
A BOP bundles general liability, commercial property, and business interruption insurance into one policy typically at a lower rate than buying them separately.
Read article →
June 7, 2026
biBerk Business Insurance Review 2026: Cost, Ratings & Alternatives
biBerk is owned by Berkshire Hathaway (A++ AM Best). Great for simple small business risks; limited for complex contractors and trucking. Dragon compares biBerk against Hiscox, CNA, Coterie, and Thimble. Get a free quote to see rates for your situation.
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May 5, 2026
General Liability Insurance for Small Businesses What It Covers and Why Contracts Require It
General liability insurance is the foundation of every business insurance program. Learn what it covers, what it does not, and how much it costs for your industry.
Read article →
