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Business Insurance Coverage Comparison
Side-by-side comparison of GL, BOP, Commercial Package, and Professional Liability. Updated August 2026.
General Liability vs BOP vs Commercial Package Policy
| Feature | General Liability Only | Business Owners Policy (BOP) | Commercial Package Policy (CPP) |
|---|---|---|---|
| What it covers | Third-party bodily injury, property damage, personal & advertising injury | GL + commercial property + business interruption in one policy | Customizable bundle: GL, property, inland marine, crime, and more |
| Best for | Businesses that need basic liability only, rent property, or have separate property coverage | Small businesses with a physical location and under $5M revenue | Mid-size businesses needing more flexibility than a standard BOP |
| Typical annual cost | $400–$3,000 (solo to small team) | $500–$5,000 (bundled discount) | $2,000–$15,000+ (varies by coverages) |
| Includes property coverage? | ✗ No | ✓ Yes — commercial property included | ✓ Yes — fully customizable |
| Includes business interruption? | ✗ No | ✓ Yes — standard component | ✓ Yes — optional component |
| Includes professional liability? | ✗ No (separate E&O required) | ✗ No (separate E&O required) | ✓ Can be added as component |
| Includes cyber coverage? | ✗ No (separate cyber policy required) | ✗ Usually not (endorsement available) | ✓ Can be added as component |
| Can add endorsements? | ✓ Yes — equipment, HNOA, products | ✓ Yes — data breach, equipment breakdown | ✓ Highly flexible |
| Qualification requirements | Any business qualifies | Under $5M revenue, 100 employees, single location | Larger or more complex businesses; more underwriting required |
| How to buy | Online in 10 min via ERGO NEXT | Online in 10 min via ERGO NEXT | Typically through a broker for mid-size businesses |
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Coverage Comparison FAQs
General Liability (GL) is a single policy covering third-party injury, property damage, and advertising injury. A Business Owners Policy (BOP) bundles GL + Commercial Property + Business Interruption into one discounted policy. A BOP is simply a more comprehensive package built around a GL core. Most small businesses with a physical location benefit from a BOP over standalone GL.