Big Protection for Small Businesses
Running a business comes with risk—but protecting it doesn’t have to be complicated. A Business Owners Policy (BOP) bundles essential coverages into one simple, cost-effective package. At Overacre Insurance Agency & Manteca Insurance & Financial Services, we help business owners across Idaho and California safeguard what they’ve built. Whether you're running a retail shop, café, or contractor service, we’ll tailor your BOP to your size, your risks, and your future goals.
Protect your passion with a policy built to grow with you.
What does a Business Owners Policy include?
Most BOPs combine general liability and commercial property insurance. Some also include business interruption coverage and optional endorsements.
Who should get a BOP?
It’s ideal for small to mid-sized businesses with a physical location or valuable assets. We’ll help you decide if it’s the right fit for your business.
Is a BOP customizable?
Absolutely. We’ll help you add on coverage like cyber liability, equipment breakdown, or professional liability based on your operations.
Does a BOP replace other policies?
Not always. Depending on your business, you may still need separate auto, workers comp, or specialty coverages.
Coverage That Works as Hard as You Do
From equipment damage to customer injury claims, one unexpected event could throw your operations off course. A BOP gives you foundational protection in a single, manageable policy. It's one of the smartest ways to reduce risk without overcomplicating your insurance.
A Local Team That Knows Business
We’re not just agents—we’re small business owners too. We know what’s at stake when you open your doors each day. That’s why we take the time to get to know your business, explain your options, and connect you with trusted carriers that work for you—not against you.