Business Owners Policy San Antonio, TX | David Ison Insurance

San Antonio, Texas Business Owners Policy

Business Owners Policy (BOP) in San Antonio, Texas

Proudly serving San Antonio businesses since 1978.

If you own a small or mid-sized business, you likely need multiple types of insurance to stay protected. A Business Owners Policy (BOP) bundles the most important coverages into one convenient, cost-effective policy.

At David Ison Insurance, we’ve been helping San Antonio business owners simplify their coverage for over four decades. Whether you own a retail store, office, or service-based business, we’ll help you protect what you’ve built.

Call 210.490.1494 for a fast, no-hassle quote.

What Is a Business Owners Policy (BOP)?

A Business Owners Policy combines key coverages into one package, typically including:

  • General Liability Insurance
  • Commercial Property Insurance
  • Business Interruption Coverage

 It’s designed to give business owners broad protection in a single policy.

Why a BOP Matters in San Antonio

Running a business comes with daily risks—from customer injuries to property damage and unexpected closures.

Common exposures include:

  • Fire or property damage
  • Customer injuries
  • Theft or vandalism
  • Storm damage (hail, wind)
  • Loss of income due to shutdowns

Here’s the reality:

  • Property damage can cost tens or hundreds of thousands
  • Lawsuits can quickly escalate
  • Business interruptions can halt revenue

 A BOP helps protect your business from all of these risks in one policy.

What a Business Owners Policy Covers

General Liability Insurance

Covers:

  • Bodily injury
  • Property damage
  • Legal defense

Example: A customer slips and falls at your business.

Commercial Property Insurance

Covers:

  • Buildings
  • Equipment
  • Inventory
  • Furniture

Example: Fire damages your business property.

Business Interruption (Loss of Income)

Covers:

  • Lost revenue
  • Ongoing expenses
  • Temporary closures

Example: You must close after a covered loss and lose income.

Additional Coverages Available

You can customize your BOP with:

  • Equipment breakdown
  • Cyber liability
  • Employment practices liability (EPLI)
  • Hired & non-owned auto
  • Crime coverage

 We tailor your policy to fit your business.

Who Needs a Business Owners Policy?

We work with:

  • Retail stores
  • Offices
  • Restaurants
  • Professional services
  • Contractors (with office locations)
  • Small to mid-sized businesses

 If you have a physical location or business property, a BOP is often the best solution.

How Much Does a BOP Cost?

Pricing depends on:

  • Business type
  • Location
  • Revenue
  • Property value
  • Claims history

Typical range:

  • Small businesses: a few hundred to a few thousand per year
  • Larger operations: higher depending on exposure

Why Bundle Coverage?

A BOP is often:

  • More affordable than separate policies
  • Easier to manage
  • Designed to avoid coverage gaps

 It’s one of the most efficient ways to insure your business.

Why Choose David Ison Insurance?

We’ve been serving San Antonio since 1978.

We understand local businesses and how to properly structure BOP coverage.

When you work with us, you get:

  • Local expertise
  • Access to multiple carriers
  • Customized coverage
  • Fast, responsive service
  • A team that understands your business

We’re not a call center—we’re right here in San Antonio.

Real Results for Real Businesses

Case Study #1: Fire Loss — Retail Business
Property damage and lost income covered under one policy.

Case Study #2: Slip-and-Fall Claim — Office
Liability coverage handled medical and legal costs.

Case Study #3: Storm Damage — Local Business
Hail damage repaired with minimal disruption.

Case Study #4: Coverage Gap Fixed — Small Business
Separate policies had gaps. We bundled into a BOP for full protection.

Serving San Antonio and Surrounding Areas

San Antonio
Castle Hills
Bulverde
Timberwood Park
Hollywood Park
Boerne
Leon Valley
Alamo Heights
Schertz
Stone Oak
Cibolo
Universal City
Converse
Selma
Live Oak

Get a Business Owners Policy Quote Today

If you want simple, cost-effective protection for your business, a BOP is one of the best solutions available.

At David Ison Insurance, we make it easy to bundle your coverage and protect your business properly.

Call 210.490.1494 or request a quote today.

We’ve been protecting San Antonio businesses since 1978. Let us help protect yours.