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Business Owners Policy for Cincinnati Small Businesses

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Affordable bundled protection for small businesses in Cincinnati

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All-in-One Protection for Local Businesses

Running a business in Cincinnati takes hard work, smart planning, and a good amount of protection. A Business Owners Policy (BOP) combines the most essential coverages—general liability and commercial property—into one affordable and easy-to-manage plan. At Moore Insurance, we build BOPs tailored to the needs of local shops, offices, service providers, and more.



Whether you’re based in Greenhills or operating from a storefront in North College Hill, a BOP provides the confidence you need to focus on your work.

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What’s Included in a BOP

Your Business Owners Policy includes:


  • General liability to protect you from lawsuits, slip-and-fall claims, and customer property damage
  • Commercial property insurance to cover damage to your building, furniture, equipment, and inventory
  • Business interruption to replace lost income if a covered event forces you to temporarily shut down



If a pipe bursts in your Springdale hair salon or a fire damages your Colerain Township office space, your BOP helps pay to repair, rebuild, and recover.

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Insure Business Vehicles

Protect the vehicles that power your operations with commercial auto coverage.

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Protect People on the Job

Workers’ compensation insurance covers employee injuries and medical bills.

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Expand Your Protection

Add cyber liability or equipment coverage as your business needs evolve.

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Add Protection as You Grow

Your business is always changing—your insurance should keep up. We can expand your BOP with add-ons like cyber liability, EPLI (employment practices liability), equipment breakdown, data breach coverage, and more.



We’ll help you understand what makes sense for your operation and your budget.

  • What types of businesses qualify for a BOP in Cincinnati?

    BOPs are best for small and midsize businesses that operate from a commercial space, such as retail shops, restaurants, service providers, or small offices. If you own a salon in Springdale, a print shop in Forest Park, or an accounting firm in Finneytown, a BOP may be your most cost-effective coverage option.

  • What’s included in a standard BOP?

    A typical BOP includes general liability, commercial property, and business interruption insurance. This protects you from lawsuits, building damage, and lost income after a covered event. Moore Insurance can also customize your policy with cyber protection, equipment coverage, and more.

  • How is a BOP different from standalone policies?

    Standalone policies offer more flexibility for high-risk industries, but they tend to be more expensive. A BOP is a packaged solution that simplifies billing and often costs less. If you qualify, it’s a smart starting point for broad, essential coverage.

  • Can I add endorsements to my BOP as my business grows?

    Yes. Moore Insurance helps businesses in Colerain Township, Greenhills, and throughout Cincinnati expand their BOPs with endorsements like data breach, EPLI, and tools coverage. You can scale your coverage without having to switch policies entirely.

  • Does a BOP include workers’ compensation or commercial auto?

    No. These coverages are purchased separately, but they often work hand-in-hand with a BOP. For full protection, we help you bundle workers’ comp and commercial auto with your BOP so nothing falls through the cracks.