Insurance Product
Your business represents years of hard work, investment, and dedication. Business Owners Insurance (BOP) provides essential protection for your property, operations, and liability—helping safeguard your business from unexpected losses and legal claims.
At Sova Insurance, we help Florida businesses secure affordable, customized Business Owners Insurance policies that combine critical coverages into one streamlined solution—so you can focus on running your business with confidence.
Business Owners Insurance Coverage
Get comprehensive protection with business owners insurance that combines property and liability coverage, helping small and mid-sized businesses stay secure and cost-efficient.
Coverage Options
Business Owners Insurance Designed
Protect your business with a Florida-focused BOP that combines property and liability coverage, tailored to local risks and regulatory needs.
Florida Compliance
Structured to meet state insurance standards.
Industry-Specific Coverage
Tailored for offices, contractors, hospitality, and service businesses.
Property & Liability Protection
Covers assets and legal exposures in one policy.
Cost-Effective Bundling
Combines coverages at a lower cost than separate policies.
Business Owners Insurance isn’t just smart—it’s essential protection against financial loss, lawsuits, and operational downtime.
Smart coverage. Built for business.
Get the auto insurance that works for where you live and drive.
Smart coverage.
Florida-ready protection.
Average Monthly Premium : $50-$150
The cost of Business Owners Insurance depends on several factors, including your business type, location, property value, payroll, and coverage limits.
On average, Business Owners Insurance policies can start as low as a few hundred dollars per year. for small businesses with basic coverage. Businesses with larger properties, higher risk exposures, or added coverages such as cyber liability or equipment breakdown may see higher premiums.
Bundling property, liability, and business interruption coverage into a single BOP often results in significant cost savings compared to purchasing separate policies.
At Sova Insurance, we compare rates from multiple top-rated insurance carriers to help Florida business owners find the best coverage at the most competitive price.
How to Get the Best Business Owners Insurance
Find the right Business Owners Policy by assessing your business risks, comparing bundled coverage options, and choosing protection that fits your operations and budget.
01
Assess Business Risks
Understand property, liability, and income exposures.
02
Select the Right Coverage
BOP policies combine property and liability, with optional add-ons.
03
Compare Carriers
SOVA Insurance shops multiple insurers for the best coverage and price.
04
Work With Experts
Customized Business Owners Insurance tailored to your industry and goals.
Get Coverage with SOVA Insurance
- Based in Florida, specializing in contractors and small businesses
- Independent agency—we compare multiple carriers for the best rates
- We speak English, Russian, and Ukrainian to make insurance easy to understand
- Personalized service—you’ll work directly with a licensed agent who guides you through every step
