Business Owners Policy (BOP) in Hattiesburg
Simple, Streamlined Protection for Small Business Owners
Owning a small business comes with big responsibilities. You need solid protection — but you don’t want to overcomplicate things or pay for what you don’t need. A Business Owners Policy (BOP) bundles essential coverage into one affordable, easy-to-manage policy. At Howlett Insurance Agency, we help Hattiesburg business owners get smart coverage without the stress.
What Does a Business Owners Policy (BOP) Cover?
A BOP combines two major types of insurance — General Liability and Commercial Property — into one convenient plan.
General Liability
Covers third-party injuries, property damage, and legal claims against your business — including slips, falls, and lawsuits.
Commercial Property
Protects your building, equipment, tools, inventory, and furnishings from fire, theft, vandalism, and more.
Optional Add-Ons
You can customize your BOP with coverages like Business Interruption Insurance, Cyber Liability, Equipment Breakdown, and more — depending on your operations.
This policy is ideal for retail stores, offices, contractors, and service businesses that want strong, balanced protection without juggling multiple policies.
Industries We Serve
No two businesses are alike — and neither are their risks. At Howlett Insurance Agency, we provide tailored commercial coverage for a wide range of industries across Hattiesburg and surrounding counties.
We regularly work with:
Contractors & Construction Trades
Coverage for tools, trucks, job sites, and subcontractor liability.
Restaurants & Food Vendors
From food trucks to full-service kitchens, we protect your operations, staff, and equipment.
Retail Businesses
Coverage for storefronts, inventory, business property, and customer liability.
Janitorial & Cleaning Services
Protection for employees, equipment, and service-related liability.
Professional Services
Specialized protection for lawyers, accountants, consultants, and office-based professionals.
Why Choose Howlett Insurance Agency?
Because we know small businesses — and we know how to protect them with clarity, care, and real support.
Tailored Coverage for Local Operations
We match your BOP to your size, industry, location, and risk level — no fluff, no gaps.
Independent & Honest Advice
We’re not bound to one carrier — we compare multiple options to get you the best fit and rate.
Straightforward Service
You’ll never wonder what your policy does. We explain it in plain language — and answer when you call.
Trusted by Hattiesburg Businesses
We’ve helped protect local entrepreneurs for over 15 years — and we’ll do the same for you.
Common Questions About BOP Coverage
Who qualifies for a Business Owners Policy?
BOPs are designed for small to midsize businesses with relatively low-risk operations. Retailers, contractors, service providers, and offices are all good candidates.
Is Workers’ Comp included in a BOP?
No — Workers’ Compensation must be purchased separately. We can help you add it for complete coverage.
Can I add commercial auto or professional liability to my BOP?
Not typically within the same policy, but we can bundle those coverages alongside your BOP for a comprehensive plan.
How much does a BOP cost?
Premiums depend on your industry, size, location, and property value. We’ll quote multiple carriers to find your best option.
What’s the advantage of a BOP over separate policies?
You get essential coverage bundled into one streamlined policy — often at a lower premium than buying each policy separately.
One Policy. Real Protection. Zero Guesswork.
Running a business is complex. Your insurance doesn’t have to be. Let Howlett Insurance Agency simplify your coverage with a BOP built for your needs — and backed by agents who have your back.