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Liability and property protection
A policy that combines liability and property coverage is known as business owners insurance, or BOP insurance. It is popular among a wide range of small and medium-sized businesses, including restaurants, wholesalers, retail stores, and contractors.
A business owners policy has two primary coverages
Liability:
A BOP offers the same liability protections as a general liability policy does. This includes defense against claims relating to product liability, advertising injury, and customer injury and property damage.
Property:
Covers commercial buildings as well as movable property owned by and used by the business (referred to as business personal property). As part of a covered loss, it may also pay for debris removal, lost income, and pollution cleanup.
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