It's rarely the fire that closes you. Equipment breakdown comes standard.
A Progressive BOP starts with five coverages, not three — and the one that answers a dead compressor on a Friday is already among them. Here's what's in the policy, what Progressive widened, and the trade-built packages worth asking for by name.
The short answer
A business owners policy packages liability and property into one policy. Progressive's starts with five coverages: Business Liability, Personal and Advertising Injury, Business Income, Equipment Breakdown, and Property for buildings or business personal property. The premises definition runs 1,000 feet — ten times what it was. Business Select packages the coverages each trade actually needs, across six of them. Cyber Suite, Employment Practices Liability and Miscellaneous Professional Liability are available on top. Cribb Insurance Group places it on Progressive's own paper through our Progressive Commercial appointment.
Equipment breakdown, included.
It's automatically included on any Progressive BOP that has property — including a policy that only has business personal property. Not an endorsement. Not a conversation. Just on there.
Electrical. Mechanical. Refrigeration. Heating and cooling. Computers. Electronic data processing equipment.
Think about what actually closes a small business for a week.
It isn't usually a fire. It's the walk-in cooler letting go on a Friday night with the weekend's inventory in it. It's the rooftop unit in July. It's the panel, the compressor, the server that holds every customer record you have.
Those are the losses that happen at the frequency they actually happen — and they're the ones a property policy alone shrugs at, because nothing was damaged in the way property policies mean it. Equipment breakdown is the coverage that answers them, and on a Progressive BOP it's in the base policy.
It also reaches further than the name suggests: Electronic Circuitry Impairment, Cloud Service Interruption, Data Restoration, Off-premises coverage, and Public Relations coverage all come with it. That's a carrier that thought about what breaking actually looks like for a business in 2026 rather than in 1985.
Five coverages before you add anything.
| Coverage | What it does |
|---|---|
| Business Liability | Third-party claims arising out of your operations — the customer who falls, the damage you cause. |
| Personal and Advertising Injury | Libel, slander, and advertising-related claims. The one small businesses forget exists until a review war goes somewhere unexpected. |
| Business Income | What you don't earn while you're closed after a covered loss. The rent and the payroll don't pause. |
| Equipment Breakdown | Automatically included on any policy that has property, including business personal property. |
| Property | Buildings or business personal property. |
Increased from 100 feet. The premises definition decides whether something that happened near your building happened somewhere your policy covers.
What Progressive widened, and why one of them matters more than it looks.
A hundred feet is the building and a sliver of pavement. A thousand feet is the parking lot, the sidewalk, the loading area, the overflow lot next door, the strip of grass where the delivery driver went down. It's the least glamorous number in the policy and one of the few that quietly decides whether a claim is a claim.
Alongside it, Progressive added rewards for arson, theft and vandalism, and increased the limits for money orders and counterfeit money, forgery and alteration, outdoor property, and outdoor signs.
None of this shows up in a commercial, because "we broadened our premises definition" doesn't sell anything. It just pays. Which is roughly the highest compliment you can pay a policy change.
Six packages, built by trade.
Rather than bolting endorsements on one at a time, Progressive prepackaged the coverages each trade actually needs — with built-in savings. Ask for it by name.
The trades and the desks
Two very different risks that both get a package built for them rather than a generic policy with a few things bolted on. On the contractors side, the package is what carries the coverages a construction contract expects to see.
Front-of-house risk
Where the public walks in the door and the equipment runs all day. The two trades where equipment breakdown and premises liability do the most work.
Inventory and buildings
Distribution operations, and property owners renting to others. Lessors Risk is the one that matters if you own the building — see below.
First- and third-party
Data Compromise covering both liability and response expenses, Computer Attack, Cyber Extortion, Network Security Liability, Electronic Media Liability, and Identity Recovery.
Employees — and applicants
Claims from employees, independent contractors, leased employees and people you didn't hire. Indemnity, defense costs within the limit, full prior acts, punitive damages where insurable under state law, available extended reporting period, optional third-party coverage.
Advice, errors, omissions
Responds to any actual or alleged negligent act, error, omission, misstatement or misleading statement within professional services. Includes liability damages and defense costs.
Your rental property has a home here — a purpose-built one.
Progressive moved habitational rental property out of personal lines and into the BOP program. That's not a door closing; it's a door opening onto a package that was actually designed for landlords.
Lessors Risk is one of the six Business Select packages. That's the part worth knowing: rather than insuring a duplex on a personal form that was really built for someone's house, it goes onto a commercial policy with a package assembled for people who own buildings and rent them to other people. Different underwriting, different form — and a better fit for what a rental property actually is.
We've verified that habitational risks are available in Arkansas, so we can place it. That isn't true in every state, which is worth saying out loud.
Have the conversation on your schedule.
If you're holding a Progressive landlord policy today, the move to the BOP program is coming either way. The version where you call us in a quiet week and we set it up properly is enormously better than the version where a renewal notice sets the timeline for you — and it costs exactly the same.
It's also worth knowing Progressive isn't the only answer. We're independent, so if the right home for a duplex in Rogers is a different market, we'll say so — Progressive is one of 40+ carriers we represent.
Does your building qualify? That's a thirty-second phone call.
We'd rather tell you why we're not answering it here than be vague about it. Progressive's habitational eligibility rules are real, specific and numeric — there are limits on units, locations, property values and revenue. We know exactly what they are.
They're underwriting criteria, not product information, and we don't publish carrier underwriting rules on a public website — the same way we don't publish appetite guides. What we'll gladly do is answer it on the phone. Tell us how many doors and where, and you'll know.
Call (479) 286-1066. There's no version of this where finding out costs you anything.
One thing worth raising on that first call: a BOP written for a landlord and a BOP written for the tenant operating inside the building are two different policies solving two different problems. In a mixed-use building both may need to exist. If you own the building and run something out of it, say so early — it changes the shape of the answer.
A BOP makes your trucks cheaper.
Progressive's Arkansas Multi-Product discount, for customers with fewer than 10 power units and an in-force Business Owners policy.
The discount lives on the other policy.
Progressive's Arkansas commercial auto schedule gives 0%–5% off liability, 0%–8% off collision, and 5%–10% off comprehensive when there are fewer than 10 power units and the named insured holds an in-force general liability, business owners, garage liability, or tow/trucking GL policy. A current declarations page has to be produced.
Which means the BOP you're reading about right now can quietly take money off a truck policy sitting somewhere else — but only if someone notices you qualify and produces the paperwork. If your BOP is at one agency and your trucks are at another, nobody's job is to notice. Under one roof, it's ours.
See the commercial auto page for the full Arkansas schedule with real percentages.
Who's behind the policy.
On May 1, 2026, AM Best affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Rating of aa for the members of The Progressive Corporation, with a stable outlook.
And that rating describes your policy, because we place Progressive's own paper.
Worth a moment, because it's a question most people never think to ask. Progressive offers business insurance two ways: on its own paper, and through partner carriers in its network via the Progressive Advantage® Business Program. That network is a genuinely useful structure — it lets Progressive serve businesses it couldn't otherwise, and the alternative would be telling those owners no.
What we place through our Progressive Commercial appointment is Progressive's own paper. That's why the A+ above is a fact about your policy rather than a fact about the logo — because a financial strength rating attaches to a company, not to a brand.
Ask any agent whose paper you'd be on. It has a real answer and you're entitled to it before you buy. Ours is on the record.
What we add, and what we don't.
We don't adjust your claim and we can't overrule an adjuster. We'd rather be straight about that than let you find out at the worst moment.
What we do: make sure the coverage that should respond is the one getting called — including the equipment breakdown people forget is on there — get you the Business Select package built for your trade, tell you whether a claim is worth filing before you file it, and chase the file when it stalls. And if Progressive ever stops being the right home for your business, we'll move you. That last part is what a captive agent structurally cannot do.
The policies around this one.
Arkansas BOP questions.
Is equipment breakdown included on a Progressive BOP?
Yes — automatically, on any policy that has property, including policies that have business personal property. It's one of the five coverages a Progressive BOP starts with rather than something you bolt on. It covers electrical, mechanical, refrigeration, heating and cooling systems, computers, and electronic data processing equipment, and it includes Electronic Circuitry Impairment, Cloud Service Interruption, Data Restoration, Off-premises, and Public Relations coverage.
This is one of the better reasons to look at a Progressive BOP, because the loss that actually closes a small business for a week usually isn't a fire — it's the walk-in cooler, the compressor, the rooftop unit, the server.
What does a Progressive business owners policy include?
It starts with five coverages: Business Liability, Personal and Advertising Injury, Business Income, Equipment Breakdown, and Property coverage for buildings or business personal property. From there you can add Cyber Suite, Employment Practices Liability, and Miscellaneous Professional Liability, plus a Business Select package built for your trade.
Progressive has also broadened the base policy in several places: the premises definition runs 1,000 feet rather than 100, there are rewards for arson, theft and vandalism, and the limits for money orders and counterfeit money, forgery and alteration, outdoor property and outdoor signs have all been increased.
How far does a BOP's liability coverage extend around my building?
On a Progressive BOP, 1,000 feet — increased from 100. The premises definition is what decides whether something that happened near your building happened somewhere your policy covers, and it's one of the least-discussed numbers in commercial insurance.
A hundred feet is the building and a sliver of pavement. A thousand feet is the parking lot, the sidewalk, the loading area, the overflow lot next door. Nobody shops a BOP on the premises definition, which is exactly why it's worth knowing that Progressive's is ten times what it used to be.
What is Business Select on a Progressive BOP?
Business Select is Progressive's set of prepackaged endorsements, built separately for each of the six business types it insures: Contractors, Offices, Restaurants, Retail and Services, Wholesale, and Lessors Risk. The coverages most owners in a given trade actually need get bundled together with built-in savings, rather than added one endorsement at a time.
It's worth asking for by name. On the contractors side especially, the Business Select package is what carries the coverages a construction contract expects to see.
Where does my rental property go now that Progressive's landlord policy is gone?
Into the BOP program — and there's a purpose-built package waiting for it. Progressive moved habitational rental property out of personal lines and into commercial, where Lessors Risk is one of the six Business Select packages. We've verified that habitational risks are available in Arkansas, so we can place it.
What we won't do is tell you on a webpage whether your specific building qualifies: Progressive's habitational eligibility rules are real, specific and numeric, and they're underwriting criteria rather than product information, so we don't publish them. Call us and you'll know in about thirty seconds. The one thing worth doing is having the conversation on your schedule rather than a renewal notice's.
Can I add cyber coverage to a Progressive BOP?
Yes. Cyber Suite responds to first- and third-party exposures: Data Compromise covering both liability and response expenses, Computer Attack, Cyber Extortion, Network Security Liability, Electronic Media Liability, and Identity Recovery.
Employment Practices Liability and Miscellaneous Professional Liability are also available. EPL covers claims from employees, independent contractors, leased employees and applicants, and includes indemnity, defense costs within the limit, full prior acts, punitive damages where insurable under state law, and an available extended reporting period, plus optional third-party coverage. MPL responds to a negligent act, error, omission, misstatement or misleading statement within professional services.
If our insurance guides and coverage comparisons are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas businesses can find our local explanations.
Let's build it around your trade.
Tell us what you do and where you do it, and we'll get you the Business Select package built for it, make sure the equipment breakdown limits fit what you actually run, and check whether a BOP takes money off your truck policy while we're at it. Bring the landlord policy too. Progressive is one of 40+ carriers we represent — so if it's the right home for your business we'll tell you, and if it isn't, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not Progressive, and this page is not endorsed, sponsored, reviewed, or approved by Progressive. “Progressive,” “Progressive Advantage,” “Business Select,” and related marks are trademarks of Progressive Casualty Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Progressive business owners policies placed by this agency are issued by Progressive affiliates.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverages, limits, endorsements, program terms, eligibility and availability vary by business type, state, policy, and over time, are subject to underwriting approval, and are subject to the terms, conditions, limits and exclusions of the policy actually issued. No coverage limits are stated on this page and none should be inferred. Examples of losses are illustrative only and are not a representation that any particular loss would be covered. If anything on this page conflicts with the issued policy, the policy controls.
References to Progressive offering coverage through other carriers, and to the Progressive Advantage® Business Program, reflect Progressive's own publicly published descriptions of its business insurance distribution as of this page's review date, and are provided only to explain whose paper this agency places. Which company underwrites any particular policy depends on the policy actually issued; read your declarations page.
Eligibility for habitational and all other risks is determined by Progressive on the facts of your property and operation. This page makes no representation that any particular property or business qualifies, and nothing here should be relied on in deciding whether to let existing coverage lapse. Statements about Progressive's personal landlord product describe our understanding of Progressive's current product structure; confirm your own policy's status with your carrier or with us. Multi-Product discount percentages referenced on this page belong to the Progressive Arkansas commercial auto program rather than to a BOP, are subject to change, vary by coverage, program and business type, and are not guaranteed.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. A rating applies only to the rated company and not to policies underwritten by any unaffiliated carrier. Rates and premiums are not quoted on this page.
Last reviewed July 2026.