Moon Insurance Managers, Inc.
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Moon Insurance Managers, Inc. · TDI license #5595

Business Owner’s Policy (BOP) in Houston, TX

Someone — a lender, a landlord, a forum full of confident strangers — told you to “just get a BOP”. A business owner’s policy, sometimes sold as a business owners package, bundles commercial property and general liability into one policy, usually with business income folded in.

The useful question is not what it is. It is whether your business is one a carrier will write it for — because eligibility, not price, is what actually decides.

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  • 41years in Houston
  • 20+markets compared
  • Same dayDPS filing
  • #5595TDI license

Three coverages, one policy

What’s inside

The property piece. Your building or your tenant improvements, plus contents, stock and equipment. The full picture — including the Gulf-coast wind question, which is not a small matter around here — is on our commercial property insurance page.

The liability piece. Third-party injury and property damage, plus defense. What it covers and the four things it famously does not are on our general liability insurance page.

The income piece. Business interruption coverage — the money the business would have earned while a covered loss keeps the doors shut — is typically included, though forms differ. It is the piece owners are most often glad to find and least often asked for, and the limit is easy to set wrongly.

Three coverages, one policy, one renewal date, one bill.

The actual decision

The package, or the pieces

One packageSeparate policies
Who can buy it Businesses the carrier’s eligibility rules accept — generally smaller, mainstream operations Anyone the market will write, including the businesses a package declines
What is inside Property and liability together, usually with business income Whatever you buy, coverage by coverage
Renewals and billing One policy, one renewal date, one bill Separate policies, separate dates, separate bills
Tailoring the cover Within the package’s own options Each policy tuned on its own terms — the reason larger or unusual risks end up here
Business income Typically included, though forms differ Bought deliberately, or missed entirely
What decides it Carrier eligibility rules The same rules, from the other side — this is where a business goes when it does not fit

Carriers offer packages to businesses their own eligibility rules accept: generally smaller and mainstream operations, judged on size, revenue, class of business and the building itself. A boutique, an accountant’s office, a small wholesaler, a light service business — classic territory.

Some businesses fall outside those rules and are better served buying the pieces: restaurants with heavy cooking exposure, larger or higher-value properties, operations with complicated liability or several locations. That is not a rejection. It is a different structure, often a commercial package policy, and it is ours to quote too.

Which is rather the point of asking an independent agency instead of a form. We have no reason to push you toward the label — both paths sit on the same desk.

Have these ready

What a quote asks for

A package quote asks the property questions and the liability questions in one sitting, which is most of why owners like them:

  • What the business does, and its annual revenue.
  • The premises — owned or leased, the address, the year built, the construction type, and the roof’s age if you own it.
  • The contents — a working replacement value for stock, equipment and furniture.
  • Employees, if any. Not because the policy covers them, but because it tells us whether the workers’ compensation conversation needs to happen in the same call.
  • The current declarations page, if you are replacing a policy.

One call, one set of answers, and you will know whether the package or the pieces fit better.

Three separate policies

What it never includes

  • Workers’ compensation. Never part of a package, and in Texas it is a separate decision entirely — coverage is optional for most private employers, with real consequences either way: workers’ compensation insurance.
  • Commercial auto. The vehicles that work for the business need their own policy: commercial auto insurance.
  • Professional liability. Errors in your professional work are a separate policy, sold as errors and omissions: professional liability insurance.

No obligation

Find out in one call

Bring what the business does, the building or the lease, and the contents you would have to replace. We will tell you whether a package fits — and quote the alternative in the same conversation if it does not. The phone is fastest: (281) 484-8320, or use the form below.

Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX 77034. Policies written statewide — you do not have to be local.

Keep this to the basics — no contracts, loss runs, employee names, or incident details. Those come later, on the phone or through a secure route we will name.

Package questions we get every week

What does a business owner’s policy include?

Commercial property and general liability in one policy, typically with business income coverage. Exact contents vary by carrier and by form — the quote spells out what yours includes rather than leaving you to assume.

Is it cheaper than buying separate policies?

Often, not always. Bundling can price well for businesses that fit the carrier’s eligibility rules; for businesses that do not fit, separate policies are usually both better coverage and the only option. The quote answers it — we do not guess at prices in advance.

Does it cover workers’ comp or my business vehicles?

No to both. Workers’ compensation is its own policy and its own Texas-specific decision, and commercial auto is its own policy. A package handles property and liability.

How do I know if my business qualifies?

Tell us what the business does, roughly how big it is, and where it operates. Carrier eligibility rules answer quickly — usually on the first call, which is why this is a short conversation rather than a long form.

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