Free Interactive Tool
Business Insurance Coverage Comparison
Side-by-side comparison of GL, BOP, Commercial Package, and Professional Liability. Updated October 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 |
Get the Right Coverage Today
GL, BOP, WC — all in one 10-minute ERGO NEXT application. Instant certificate.
Get a Free Quote in 10 Minutes →
By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.
🏆A+ AM Best Rated (Munich Re)🏢750,000+ Businesses Insured⚡Get a Quote in 10 Minutes📄Instant Certificate of Insurance🕐24/7 Online Policy Management
Coverage Comparison FAQs
What is the difference between GL and a BOP?+
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.
Do I need both GL and professional liability?+
Yes, if you provide professional services. GL covers physical incidents — someone injured at your office, property you damage. Professional Liability (E&O) covers financial harm from your advice or services — a client claiming your consulting, design, or accounting work caused them a loss. Both fill different coverage gaps and most professional service firms need both.
What is a Commercial Package Policy (CPP)?+
A Commercial Package Policy (CPP) is a flexible, multi-line policy that combines several coverage types in a single package. Unlike a BOP (which has standardized terms), a CPP is more customizable — you can add GL, property, inland marine, crime, equipment breakdown, and more. CPPs are typically used by mid-size businesses that have outgrown BOP eligibility.
Can I get GL, BOP, and E&O from the same carrier?+
Often yes. Many carriers offer all three through the same application and renewal, simplifying management and sometimes offering multi-policy discounts. Through ERGO NEXT, you can quote GL, BOP, and WC in one 10-minute application.
What is the cheapest way to cover a small business?+
For most small businesses, a BOP (GL + property + BI bundled) is the most cost-effective approach — typically 15–25% cheaper than buying GL and property separately. If you provide professional services, add E&O as a standalone policy. Starting total for most small businesses: $75–$200/month.