This image shows a commercial property and represents business owners insurance from The Andover Companies.


Insurance coverages designed to protect small and midsized businesses and the property they lease or own from a variety of risks. Available exclusively through an independent insurance agent near you.

The Andover Companies has been insuring small businesses and commercial properties for nearly two centuries. This experience has allowed us to create a Businessowners Policy that offers you the highest-quality insurance coverages.

This image is of a commercial property and represents businessowners insurance from The Andover Companies.


The Andover Companies Businessowners Policy (BOP) incorporates many critical coverages into one insurance policy, which can be customized to meet the requirements of a variety of commercial property types and businesses, including:

  • Apartment and Rented Condo Buildings
  • Condo Associations
  • Mixed-Use and Mixed-Occupancy Buildings
  • Main Street Mercantile and Retail Shop Owners
  • Office Buildings
  • Bed and Breakfasts
  • Small Businesses
  • Strip Center Owners and Lessors

Included Coverages

Business Property

May help pay to repair a damaged building and its fixtures, permanently installed machinery and equipment, and more if the losses are due to a covered event.

General Liability

May provide comprehensive insurance coverage for common liability risks such as bodily and personal injury, advertising injury, product and completed work, and more.

Loss of Business Income & Extra Expense

May provide financial relief to a business that temporarily shuts down due to a covered property loss, including paying for loss of income and some expenses.

Businessowners Extension

May add a variety of important coverages, like protection for valuable papers and outdoor property, that enhance your Businessowners Policy at no additional cost.

This photo shows woman taking food out of a fridge and represents business owners insurance from The Andover Companies.

We offer an array of affordable coverage options through our bundled endorsements

  • Broad Form Water Damage
  • Directors and Officers Liability
  • Earthquake
  • Employee Dishonesty
  • Fine Arts
  • Ordinance or Law
  • Spoilage as a Result of Power Outage

Building Close Relationships, Close to Home
with the Agents We Serve and People We Insure

“As small-business owners, we have always chosen to place our Businessowners Policy with The Andover Companies. Their product offerings are comprehensive, and their rates are competitive. Most importantly, we feel they have always done right in protecting us. We confidently recommend Andover and are grateful for the relationship we share.”

Lindsey S.

“Andover has consistently provided top-notch support and service to our team and always strives to help us find reasonable solutions for our clients’ ever-changing insurance needs. We are proud to work with such an exceptional insurance provider and look forward to many years of our continued partnership.”

Heidi Summa
Agent | William Raveis Insurance

“Our partnership with Andover is truly special. I cherish our agency’s longtime relationship with the company, and the people who work there feel like a combination of close friends, mentors, and business partners.”

Marc Duffy
Agent | Duffy Insurance

“I clicked with The Andover Companies right away, and I truly appreciate the team’s unmatched dedication to its agents. They go out of their way to support, which is very rare among carriers these days.”

Chuck Stewart
Agent | Lakeview Insurance


Step 1:

Click on the Find an Agent button to search for independent insurance agencies near you.

Step 2:

Contact the independent insurance agency you would like to work with by phone or email.

Step 3:

Leave it up to your agent to uncover the best coverage solutions for your valuable property.