Business Owner's Policy (BOP) for Kiosk Operators
The most comprehensive and cost-effective insurance package for established kiosk businesses. A BOP bundles general liability and commercial property coverage — protecting both your legal exposure and your physical assets at a bundled discount.
What a BOP Includes
BOP vs. General Liability Only
See what you get with a BOP compared to standalone GL coverage.
When a BOP Is the Right Choice
A BOP makes sense for most kiosk operators who have invested in their booth setup and carry meaningful inventory. If you've spent $5,000+ on your kiosk structure, displays, and equipment, the property component of a BOP is worth the marginal additional cost.
It's also the right choice if your mall lease requires both GL and property coverage — some mall operators specifically require a BOP or equivalent combined coverage.
Finally, if your business could be shut down for weeks by a fire or water leak, business interruption coverage (included in many BOPs) can be the difference between surviving and closing permanently.
When GL Alone May Be Enough
If you're just starting out, operate a temporary booth, or have minimal equipment investment, a standalone GL policy may be all you need — at least initially.
Temporary event vendors who travel to festivals and don't own their booth structure often do fine with GL alone, especially if the event organizer provides some participant coverage.
That said, we often find that once kiosk operators understand the full cost comparison, the BOP is only marginally more expensive — and the protection is significantly better.
Get Your BOP Quote
Most kiosk operators qualify within minutes. Free quote, no obligation, same-day COI.