|

Comprehensive Protection for California Small Businesses

Business Owners Policy Insurance in San Diego & Chula Vista

Running a business means balancing risk and opportunity daily. A Business Owners Policy (BOP) brings essential protection together—combining general liability and commercial property insurance into a single, streamlined policy built for efficiency. At Preferred Property & Casualty, we help California’s contractors, retailers, offices, and local service providers get the dependable BOP coverage they need—without overpaying or overlooking key risks.

|

What’s Covered

Trusted by San Diego Entrepreneurs & Local Businesses

Black and white illustration of a small shop with an awning.

Business Property Insurance

Protects your physical assets like buildings, inventory, and equipment from damage or loss due to fire, theft, vandalism, or certain natural disasters.

General Liability Coverage

Warning sign with an exclamation point inside a triangle.

Covers claims involving third-party injuries or property damage—such as slip-and-falls, client injuries, or accidental damage during your operations.

Black circle with a white dollar sign symbol.

Business Interruption Insurance

Helps cover lost income and ongoing expenses if a covered event forces your business to temporarily close or scale back operations.

Black toolbox with tools: hammer, wrench, and cleaning tool.

Equipment & Signage Protection

Optional endorsements can extend your coverage to signs, specialty gear, or tools essential to your work, even while offsite.

Built for California Small Businesses with Big Plans

  • One Policy. Multiple Protections. Real Peace of Mind.

    Whether you’re operating a small construction firm, a real estate office, or a neighborhood retail shop, a BOP gives you access to comprehensive coverage without complexity.

  • Support That Aligns With Your Business Goals

    We help you meet lease requirements, licensing expectations, and vendor demands—all while ensuring your assets and reputation are protected against everyday business risks.

  • Local Expertise That Makes a Difference

    You get a single point of contact, access to top-rated carriers, and guidance from a local agency that truly understands the challenges and goals of California business owners.

Common Questions

  • Is a BOP required?

    It’s not required by law, but many landlords and clients require proof of both liability and property insurance before working with you.

  • Is this more affordable than separate policies?

    Yes. A BOP typically costs less than buying separate general liability and commercial property policies, while still giving strong protection.

  • What types of businesses qualify?

    BOPs are ideal for small to midsize businesses with a physical location—especially in industries like contracting, real estate, retail, or services.

Florist arranging small white flowers in a shop. Woman with afro in blue apron.

Let’s Get You Covered

We make insurance simple, fast, and personalized—so you can stay focused on what you do best. 


Based in San Diego and proudly serving clients throughout Chula Vista and across California. We’re also licensed to support businesses in Oregon and Washington.