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Commercial BOP Insurance
Business Owners Package policy, commonly called a "BOP" contains
many of the insurance coverages needed by most small businesses. While
these policies are not standard, there is great variation from insurance
company to insurance company; there are certain common elements. The
basic BOP offers business property both building and contents, and
liability insurance protection for the operation of your business.
This liability protection will generally include both the operation
of your business, at its established location, and the liability from
your products or completed operations.
Some, but not all of the policies, will also offer business income and extra
expense protection after an insured loss. BOP policies do not contain all of
the coverages needed by a small business. Notably they do not cover any workers
compensation, professional liability, or business vehicle coverage.