The BOP bundle for Fillmore businesses
How a business owner's policy bundles liability with property coverage at a median $83 a month, and when Fillmore owners should pick it over standalone GL.
A business owner's policy bundles property with liability for a median $83 a month, and Fillmore owners with premises or gear usually price both shapes.
Small businesses in Fillmore compare against a national median of $45 a month for general liability - $538 a year in 2026 policy data.
Fillmore plus 8 surrounding towns within 40 km hold a combined population of about 37,471 - the market local businesses actually serve.
Business interruption is the quiet half of a BOP: if a covered fire or pipe burst closes your Fillmore location, it replaces the income while you rebuild. Owners who survived a closure rate it the most valuable coverage they carry; it comes inside the $83-a-month median bundle, not as a separate purchase.
A business owner's policy staples commercial property to general liability in one contract, at a median $83 a month versus $45 for GL alone. The difference buys coverage for your own gear, inventory and premises - fire, theft, water damage - plus business interruption if a covered event closes you down.
What it costs in 2026
| Coverage | Median monthly | What it covers |
|---|---|---|
| General liability | $45 | Injuries to others and damage to their property |
| Business owner's policy (BOP) | $83 | GL plus your own property and lost income |
| Professional liability (E&O) | $88 | Claims that your work or advice caused a loss |
| Workers' compensation | $54 | Employee injury care and lost wages |
| Commercial umbrella | $86 | Extra limits above your other liability policies |
| Commercial property | $108 | Standalone cover for gear, inventory, premises |
| Cyber insurance | $129 | Data breach response and liability |
See your business owner's policy rate for Fillmore
These carriers quote small businesses online in about ten minutes. Prices come from the carrier, not from this site.
Disclosure: this is an independent guide. If you start a quote through a link here, the carrier may pay this site a referral fee. That fee never changes the price you are quoted.
When business owner's policy pays - and when it will not
Typically covered
- Fire, theft or water damage to your gear, inventory and premises
- Lost income while a covered event keeps the business closed
- Everything general liability covers - it is bundled inside
- Equipment breakdown, commonly available as an add-on
Typically not covered
- Flood and earthquake - separate policies through NFIP or state pools
- Employee injuries - workers' comp
- Professional mistakes - E&O
- Vehicles - commercial auto
- Firms above the size cutoff - larger businesses need a package policy
Getting a Fillmore quote
The fastest path to a real number is quoting with two carriers and comparing line by line: same limits, same deductible, same endorsements. A ten-minute quote from each is enough to see whether your business prices above or below the $45-a-month median.
This guide is research, not advice: an independent summary of published data. It is not an insurance company, agency or broker, and it cannot tell you what your business should buy - a licensed agent in Illinois can.
Common questions
Is business insurance required by law in Illinois?
Two lines can be legally required: workers' compensation once you reach the state employee threshold, and commercial auto liability for business vehicles. General liability is not state-mandated, but leases and client contracts routinely require it.
How fast can coverage start?
Online carriers commonly bind coverage the same day. If a landlord or client is waiting on a certificate of insurance, the COI typically arrives by email within an hour of purchase.
Does an LLC need insurance too?
Yes - the LLC protects your personal assets from business liabilities, but the business's own assets stay exposed. Insurance pays claims; the LLC just keeps them away from your house. Most owners carry both.
How much is general liability insurance for a small business?
The 2026 national median is $45 per month, or about $538 per year, based on published policy data from over 100,000 small businesses. Low-risk desk businesses often pay less; trades with site work pay more.
Is business interruption coverage worth it?
It only pays when a covered physical event - fire, burst pipe - closes your location, but when it pays it replaces the income a closed business is not earning. It comes bundled inside most BOPs rather than as a separate policy.
See your business owner's policy rate for Fillmore
These carriers quote small businesses online in about ten minutes. Prices come from the carrier, not from this site.
Disclosure: this is an independent guide. If you start a quote through a link here, the carrier may pay this site a referral fee. That fee never changes the price you are quoted.
Prices in nearby cities
Findlay · Fisher · Fithian · Flanagan · Flat Rock · Flora · Florence · Flossmoor · Foosland · Ford Heights · Forest City · Forest Park