Lawrence has 96,051 residents in 41,129 households. We list 4 agencies for business owners policy (bop) insurance in Lawrence. Here is what the local numbers say about the cover people here need.

Lawrence at a glance

4business owners policy (bop) insurance agencies listed
56.4%of households rentRenters insurance
$292,700median home valueHome insurance
1988median year homes were builtRebuild cost calculator
8.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Douglas County

FEMA rates the overall natural hazard risk in Douglas County, where most Lawrence agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Lawrence
Ice stormRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Lawrence
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Lawrence

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Kansas

Kansas requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires personal injury protection and uninsured and underinsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Lawrence How much liability cover do you need?

Source: ksrevisor.gov. Checked 2026-10-24.

Where Lawrence agencies are

Lawrence agencies we list sit in 2 ZIP codes, mostly in Douglas County.

660493 agencies
660441 agency

Questions

Business Owners Policy (BOP) insurance in Lawrence

All insurance agencies in Lawrence · Business Owners Policy (BOP) insurance across Kansas

Where can I find business owners policy (bop) insurance in Lawrence?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Do I need flood insurance in Lawrence?

FEMA's National Risk Index rates inland flooding risk in Douglas County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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