Commercial/Business Owners Policy:
A Business Owner's Policy (BOP) is a selection of insurance products that usually includes property, liability, and business interruption coverage. These policies are designed to meet the needs of small and medium-sized businesses with well-defined risk, as measured by factors such as the type of business, area of operation, annual sales, and number of employees. BOP products do not cover items such as workers' compensation, professional liability exposures, or commercial auto insurance. They more typically offer coverage for items such as outdoor signs, money and securities, employee dishonesty, and water back up insurance.
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