What BOP insurance covers
- General liability for injuries and damage to others
- Your shop, office, and business property
- Business interruption income if a covered loss shuts you down
- Tools and equipment, when added as an endorsement
What BOP insurance does not cover
- Employee injuries (workers comp)
- Work vehicles (commercial auto)
- Professional mistakes (errors and omissions)
- Floods and earthquakes, in most policies
How much does BOP insurance cost?
Median-based figure for construction businesses buying through Insureon. Eligibility and price depend on your trade, revenue, and property.
Source: Insureon, construction business insurance cost (updated July 2026). A typical figure, not a quote.
Who qualifies
BOPs are built for small, lower-risk businesses. Many handyman, painting, cleaning, and flooring businesses qualify. Higher-risk work such as roofing or large GC operations may need separate policies instead.
BOP or general liability alone
If you work out of your truck with a modest kit, general liability plus tools cover may be all you need. Once you rent a shop, hold inventory, or rely on expensive equipment, a BOP usually wins on price.
Which trades need BOP insurance?
How often each trade needs this coverage, based on what clients, GCs, and states usually ask for.
| Trade | How common | Why |
|---|---|---|
| Handyman insurance | Most carry it | Bundles liability with your gear |
| Painter insurance | Most carry it | Many painting businesses qualify |
| Flooring insurance | Most carry it | Many flooring businesses qualify |
| Janitorial insurance | Most carry it | Many cleaning businesses qualify |
| Electrician insurance | Depends | If you run a shop or hold stock |
| Plumber insurance | Depends | If you run a shop or keep inventory |
| HVAC insurance | Depends | If you run a shop or hold stock |
| Landscaping insurance | Depends | If you keep a yard or shop |
| General contractor insurance | Depends | For smaller GCs with an office or yard |
| Carpenter insurance | Depends | If you run a shop |
| Drywall insurance | Depends | If you keep a shop or stock |
| Concrete insurance | Depends | If you keep a yard or shop |
| Pressure washing insurance | Depends | If you run a shop |
| Fencing insurance | Depends | If you keep a yard or stock |