From central Illinois businesses to storefronts in Chicago and the suburbs, IL small business owners rely on Brawner Insurance for BOP coverage — Brawner Insurance helps Illinois small businesses find affordable Business Owners Policy coverage from multiple top commercial carriers.
Illinois has over 1.2 million small businesses — one of the largest small business economies in the country. Brawner Insurance helps IL retail shops, restaurants, professional offices, and service businesses find affordable BOP coverage from multiple top commercial carriers.
As an independent agency since 1992, Brawner Insurance helps Illinois small business owners compare BOP quotes from multiple top commercial carriers, customize coverage to their industry and size, and save money with bundled policies — all while providing local, personal service.

From retail shops and restaurants to professional offices across Illinois, Brawner Insurance helps small business owners protect their operations with affordable BOP coverage. Our independent agency model means we shop multiple carriers for the best rates.
Get a Free Quote →Brawner Insurance helps Illinois small businesses find affordable BOP coverage from multiple top commercial carriers — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
A BOP bundles essential coverages small businesses need. Here is what is typically included for Illinois businesses.

Covers your building, equipment, inventory, furniture, and business personal property from fire, theft, vandalism, and other covered perils — protecting your physical assets.
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Protects your business from lawsuits over bodily injury, property damage, and personal injury claims — covering legal fees, settlements, and medical costs from third-party claims.
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Covers lost income and operating expenses if your business cannot operate due to a covered loss — keeping you financially stable during repairs or rebuilding.
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Covers mechanical and electrical breakdown of essential business equipment — HVAC, computers, manufacturing equipment, and more — getting you back in business fast.
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Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.
Learn More →We tailor BOP coverage to your industry, size, and risk profile — every business is unique.
Talk to an Agent →BOPs bundle essential coverages for small businesses into one affordable package. Here is how they compare to buying separate policies.
Best for: people who need immediate income protection for temporary setbacks.
Best for: professionals who need to protect decades of future earning potential.
Not sure which is right for your business? We will review your needs and recommend the best approach.
Compare My Business Options →We will review your business, compare BOP and separate policy options, and recommend the right coverage.
Get a Free Business Review →660-665-1687 · 660-754-1000
Understanding these key facts helps you decide if a BOP is right for your business.
BOPs typically cost 10-15% less than buying property and liability insurance separately — designed specifically for small business affordability.
BOPs are designed for small to mid-sized businesses with modest revenue, limited locations, and lower-risk operations.
Property, general liability, and business interruption are the three core coverages. Most BOPs also include many valuable add-ons.
BOPs can be customized with add-ons like data compromise coverage, employment practices liability, and professional liability.
Planning Tip: Review your BOP annually as your business grows. Coverage needs change with revenue, employees, and new locations — making sure your policy keeps pace.
We learn about your business, industry, operations, and goals so we can recommend the right BOP coverage.
We shop your BOP across top commercial carriers to find competitive pricing and the right coverage features.
We walk through coverages, limits, and exclusions in plain language — no insurance jargon.
We handle the application, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your business, industry, and needs so we can recommend the right BOP policy.
We compare BOP policies from multiple top commercial carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why business owners across the Midwest trust Brawner Insurance for BOP coverage.
"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
In Illinois, BOP costs vary based on industry, revenue, location, property value, and coverage limits. Small businesses often pay $500-$3,000 annually. Brawner Insurance compares quotes from multiple top commercial carriers for Illinois businesses.
A BOP covers property insurance (building, equipment, inventory), general liability, and business interruption for Illinois small businesses. Many BOPs also include valuable add-ons like data compromise and employment practices coverage.
BOPs are designed for small to mid-sized Illinois businesses with modest revenue, limited locations, and lower-risk operations. Retail stores, restaurants, offices, and service businesses typically qualify. Brawner Insurance helps determine if your business qualifies.
Yes — BOPs for Illinois businesses are highly customizable. Common add-ons include data compromise coverage, employment practices liability, professional liability, and commercial auto. Brawner helps tailor your BOP to your specific needs.
BOPs typically cost 10-15% less than buying property and liability separately for Illinois small businesses. They also simplify billing and administration. Brawner helps you decide if a BOP or separate policies are right for your business.
Yes — Brawner Insurance works with Illinois small businesses to compare BOP policies from multiple top commercial carriers, explain coverage features in plain English, and find the right combination of protection and affordability.
Brawner Insurance helps Illinois small businesses find affordable Business Owners Policy coverage from multiple top commercial carriers — property, liability, and interruption in one package.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
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Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
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