What isn't covered by a standard Business Owner's Policy?
While comprehensive, a standard BOP has a few exclusions. It typically does not cover professional liability (often called errors and omissions or malpractice insurance), auto accidents involving company vehicles (you'll need a commercial auto policy for that), or workers' compensation, which is usually a separate and often legally mandated policy. We can help you find additional coverage for these specific needs.
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From oil field operations to Main Street shops, we understand the specific coverage Mountain West businesses need. Our local knowledge translates complex commercial policies into clear, practical protection.
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Whether you're running a construction crew in Casper, operating a consulting practice in Fort Collins, or managing a retail shop in Cheyenne, we know the specific risks your industry faces and the coverage gaps that could cost you everything.
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We explain exactly what your BOP covers and what it doesn't—then help you fill the gaps with the right additional policies. No confusing insurance speak, just straightforward guidance for protecting your business.
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Insurance is only as good as the claim. JWR doesn't just sell you a policy and disappear. When disaster strikes, the team fights for you, handles the paperwork, and makes sure you're paid fairly and fast. Their claims support is rated 4.9/5 stars for a reason.
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WHAT YOUR BOP DOESN'T COVER
A Business Owner's Policy bundles general liability, commercial property, and business interruption coverage into one convenient package—but it deliberately leaves out several critical coverage areas. Your BOP won't cover professional liability (also called errors and omissions or malpractice insurance), which protects against claims that your advice, services, or expertise caused a client financial harm. It also excludes commercial auto coverage for accidents involving company vehicles—whether that's a contractor's truck on I-25 or a delivery van in Fort Collins. And it doesn't include workers' compensation, which is legally required in Wyoming and Colorado once you have employees. These aren't oversights—they're separate policies designed for specific risks your business faces.
WHY THESE GAPS MATTER FOR YOUR BUSINESS
If you're a consultant, accountant, architect, or any service provider whose advice could cause financial harm, you need professional liability insurance—one bad recommendation could cost a client $50,000, and your BOP won't pay a dime of that lawsuit. If you drive for work or have company vehicles, one serious accident on Highway 789 could exceed your personal auto policy limits and leave your business exposed to devastating lawsuits—commercial auto is essential. And if you have even one employee in Wyoming or Colorado, workers' comp isn't optional—it's required by law. Getting caught without it means fines starting at $1,000 per day, plus you lose all legal protection if an employee gets hurt on the job. These aren't "nice to have" coverages—they're business survival essentials.
HOW WE HELP FILL THE GAPS
We start with your BOP, then identify exactly what additional coverage your specific business needs based on your industry, operations, and risk profile. Most Wyoming and Colorado businesses need workers' comp immediately once they hire. If you drive for business purposes, we add commercial auto. If you provide professional services or advice, we add professional liability. And if you have company data or face cyber risks, we discuss cyber liability coverage too. We shop 20+ carriers to find coverage that actually fits your business—not generic policies that leave you exposed. The goal isn't selling you the most insurance—it's making sure the coverage you have actually protects you when something goes wrong.
Looking for more FAQs?
The cost of a BOP can vary quite a bit, but for many small businesses in Wyoming and Colorado, it can be under $100 a month. Factors like your industry, size of your business, location (especially if you're near oil fields), and payroll play a big role. The best way to know for sure is to get a personalized quote for your specific business.
Absolutely! A BOP is a foundational protection for almost any small business. It shields you from common risks that could be financially devastating, such as a fire destroying your inventory or a customer slipping and getting injured on your property. It’s like having a safety net, giving you peace of mind so you can focus on growing your business without constant worry.
If you experience an incident, the first step is to report it to your JWR agent as soon as safely possible. We'll guide you through gathering all necessary documentation, such as photos of the damage or any police reports. Your insurer will then assess the damages and liabilities to process your claim efficiently, helping you get back to business quickly. We’re here to help you every step of the way.
While comprehensive, a standard BOP has a few exclusions. It typically does not cover professional liability (often called errors and omissions or malpractice insurance), auto accidents involving company vehicles (you'll need a commercial auto policy for that), or workers' compensation, which is usually a separate and often legally mandated policy. We can help you find additional coverage for these specific needs.
A Business Owner's Policy (BOP) is a smart choice for many small businesses because it bundles essential coverages—like property, liability, and business interruption—into one convenient policy. This often makes it more affordable and much simpler to manage than purchasing each type of insurance separately. It's a streamlined way to get robust protection, allowing you to deal with one policy and often one premium, rather than juggling multiple plans.
A BOP is fantastic because it combines several key coverages. It typically includes property insurance to protect your business assets, like your building and equipment, against common perils such as fire and wind, which we see a lot of in Wyoming and Colorado. It also provides liability coverage for third-party bodily injury or property damage if someone gets hurt on your premises. Plus, it often includes business interruption coverage to help you recover lost income if you have to temporarily close due to a covered event.