# Commercial liability, filed and bindable
> Property and general liability for small business, written on carrier paper. Quote-to-bind built to fit the flows your customers already use.
Canonical URL: https://www.sureapp.com/products/commercial-liability
Product slug: commercial-liability
Category: Insurance products
## Small-business BOP, filed state by state

Carrier-papered, Sure-rated. Every form, every version, every state we write today. Regulator approved.
Filing coverage: 38 / 51. States with a live, filed the BOP program writing on the Sure platform today.

Forms on file:
- SU-BOP-001 (live, v25.2) — BOP standard: property + general liability
- SU-BOP-002 (live, v25.0) — Business income and extra expense endorsement
- SU-BOP-003 (live, v24.9) — Cyber liability rider
- SU-BOP-004 (live, v24.6) — Employment practices liability endorsement
- SU-BOP-005 (live, v25.1) — Equipment breakdown rider
- SU-BOP-006 (live, v24.8) — Data breach response endorsement

## What a Sure BOP actually covers

Standard limits shown. Every line is configurable at the program level. Raise the limit, add a rider, change the deductible. Sure re-rates and refiles.
### Property and liability: standard BOP — Core
- Building and contents: $500k (Owned or leased premises)
- Business personal property: $100k (Inventory, equipment, furniture)
- General liability: $1M / $2M (Bodily injury and property damage)
- Business income: 12 mo (Interruption and extra expense)
- Advertising and personal injury: $1M (Libel, slander, copyright)
- Property deductible: $1k (Per-claim)
### Endorsements — Optional
- Cyber liability: $250k (First and third-party response)
- Employment practices liability: $100k (Wrongful termination, discrimination)
- Data breach response: $50k (Notification and credit monitoring)
- Equipment breakdown: $100k (Mechanical and electrical)
- Professional liability: Rider (Errors and omissions)
- Commercial auto add-on: Rider (Hired and non-owned)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

A coffee-shop owner shouldn't sit on hold to pull a COI for a landlord or wait on an agent to update revenue at year-end. The partner's app handles it inline, in their brand.
### Self-service that your team doesn't have to staff
Owners pull COIs, file claims, and adjust coverage when revenue or locations change, all inside the partner's app. Claims AI handles triage in the background while the partner sees status without owning the queue.
- Instant COI generation for landlords, vendors, and one-off events
- First-notice-of-loss routed straight to Claims AI
- Mid-term endorsements when revenue, payroll, or locations change
- Service handoffs to live agents stay inside the partner's brand

## Launch a commercial liability program, filed and writing in weeks

Learn more about how your commercial liability program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure