Business Insurance (BOP)
If you're looking for a BOP quote, Oklahoma Insurance Group is here to help get you covered fast.
- 24+ carriers
- Norman, OK
- No obligation
What Is Business Insurance (BOP)?
A Business Owners Policy, or BOP, packages the coverages most small businesses need (property, general liability and business income) into one policy, usually for less than buying each piece on its own. A bigger operation may need a custom commercial package built piece by piece instead. We sort out which one fits, build it around your property and liability exposures, and point out what could raise your premium or your risk before it shows up in a claim or an audit.
Why Business Insurance (BOP) Matters
One fire, lawsuit, or storm can wipe out years of work in a single day. A BOP is built so a bad event doesn't become a business-ending event — it keeps the doors open and the income coming while you recover. Because we're 100% independent and shop 22 carriers, you get the right package without paying for coverage you don't need.
Who Needs Business Insurance (BOP)?
Retailers, wholesalers, contractors, restaurants, professional offices, and most other small-to-mid-size operations qualify for a BOP. If you own business property, serve customers, or would lose income if you had to close for a while, a BOP is usually the smartest starting point. We'll tell you honestly if a standalone package fits better.
Coverage Highlights
- Building and business personal property coverage
- General liability protection
- Business income / interruption coverage
- Equipment breakdown options
- Employment practices liability (EPLI) add-ons
- Cyber liability add-ons
- Package discounts versus buying coverages separately
Here in Oklahoma
Local Considerations
Cleveland County is home to 6,169 employer establishments per Census Bureau QuickFacts (2023), and nearly every one of them faces the same Oklahoma reality: severe weather. NWS Norman data shows Oklahoma averages 59.4 tornadoes per year, so property and business income coverage aren't fine print here — they're the whole point. Russ Lowry, our CEO and Chief Risk Manager, leads our commercial team and has been building packages for Norman and OKC metro businesses since 1997.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Business Insurance (BOP) Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
From our Google reviews
Client Stories
★★★★★
Oklahoma Insurance Group has handled my small business insurance for over 11 years. They handle workers comp, general liability, and automobile insurance (we have about 10 vehicles insured at any one time). One of the great things about OIG is that every year like clockwork (without me having to ask) they are shopping my coverage and checking rates to get up the best balance between coverage and price. For our upcoming, they were able to reduce our auto by switching companies by over $41K. This is serious savings and allows us to continue our steady growth here in Oklahoma City and pass those savings on to our customers. It is also great that they can handle my personal stuff as well. Home insurance, automobile (inlcuding motorcycle). They shop those policies every year as well. One stop shop for me. And when I need them for a claim or accident, they walk me through the process. We are proud to partner with Russ and the crew at Oklahoma Insurance Group. Justin
★★★★★
We have had a great experience with Russ and his group. He found us the commercial insurance policy we wanted that others couldn't get. He is also very quick to respond which is greatly appreciated. We recommend this group for your insurance needs.
★★★★★
Russ was awesome to talk to about our insurance. He found gaps in our policy that would have hurt us in a claim situation. Our coverage now is top notch thanks to Russ and his team. We highly recommend calling them for any insurance needs commercial or residential. Thanks again Russ
★★★★★
We had Russ review our commercial insurance policies and he found several gaps in coverage that left us exposed financially. Russ explained everything thoroughly and saved us a ton of money! We feel much more comfortable with Russ on our side. From a business stand point. You are losing money by not giving them a chance.
★★★★★
Jovy and Russ and the folks at OIG are always friendly professional and available to answer questions. We have always received prompt service and competitive insurance pricing for our investment property.
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Business Insurance (BOP)
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.