USAA
USAA Business Owners Policy
USAA Business Owners Policy
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What's a business owners policy?
A business owners policy, or BOP, combines coverage for general liability, property and business income to make it easy to protect your business from common risks. It generally costs less than if you bought each policy separately. You can also customize your policy to the type of business you have.
What kind of business is a BOP for?
It’s generally for small businesses with less than $10 million in revenue per year. BOPs are also good for businesses with buildings, equipment and inventory worth $15 million or less. They can cover all types of businesses, including retail, service, wholesale, manufacturing and office. If your business needs coverage beyond what a BOP can provide, check out our other solutions for small business insurance.
How a BOP can help protect your business
As a business owner, you juggle multiple responsibilities. Bundling your insurance needs can free you to focus on what’s important to you.
Customized coverage that fits your business
There are more than 100 different ways to customize your policy. Here are some popular options:
- Commercial crime
- Computer fraud and funds transfer
- Cyber coverage cyber coverage
- Employee benefits liability, or EBL
- Employee dishonesty
- Employment practices liability insurance, or EPLI
- Hired and non-owned auto
- Professional liability professional liability
How much does a BOP cost?
BOPs range in cost depending on a few different things. These can include the size of your business, the industry, different kinds of risk and how much coverage you get.
The best way to know how much a BOP will cost for your business is to get a business owners policyquote.
Why choose us for a BOP?
It takes just a few minutes to quote and buy a USAA policy online if you qualify. We also work with other leading insurance carriers, so depending on what you need, we may connect you with another insurance company through the USAA Insurance Agency.
A dedicated coverage specialist can help you find the right amount of protection. If you have questions about a policy that may fit your business needs, call 800-292-8135.
And if you have to report a claim, you can expect USAA-level support no matter who manages your policy.
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IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.
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The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.
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Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.
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Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.
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USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.
