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Business Owners Policy (BOP)
Business Owners Policy (BOP)

Business Owners Policy (BOP)


A Business Owners Policy also known as a BOP is basically insurance coverage that merges the protection from just about all major property and liability risks in one package. A BOP puts together or combines the fundamental coverage essential to any business owner in an all-encompassing bundle. It's usually made available at a cost that's lower than the overall expense of individual coverage. Business Owners Policies are typically targeted to small and medium-sized companies and also typically include business interruption insurance, which offers compensation for up to a year of lost earnings caused by the insured property loss.


On average the typical business owner policy consists of: property insurance, business disruption or interruption insurance, crime insurance, commercial vehicle coverage, liability insurance as well as flood insurance. Contingent on additional hazards a business owner might face both the business owner as well as the insurance provider may also make arrangements on additional elements to be included with the original package.

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