What does a typical Business Owners Policy cover?

A typical Business Owners Policy (BOP) is designed specifically for small to medium-sized businesses and combines various types of insurance coverage into a single package. It primarily covers commercial property and liability, which are essential for business operations.

Commercial property coverage within a BOP protects the physical assets of the business, such as buildings, inventory, equipment, and furniture, against risks like fire, theft, and vandalism. On the other hand, liability coverage provides financial protection if the business is found responsible for bodily injuries or property damage to third parties, including customers or vendors. This comprehensive coverage is integral for mitigating risks that a business may face.

The other options listed do not align with the typical offerings of a BOP. Homeowner property and liability are specific to residential properties, while automobile liability pertains to vehicle-related insurance, and employee health benefits fall under health insurance rather than property insurance. Thus, option B accurately reflects the comprehensive coverage provided by a Business Owners Policy.