post Category: Business Insurance post postFebruary 5, 2008

First of all, a Business Owner’s Poicy, commonly referred to as a BOP, is designed for small and medium-sized businesses. This type business insurance program combines both property and liability coverage in one policy. There are usually additional types of coverage included at no additional premium.

 

What Is Normally Covered In a BOP?

The following is a general list of items covered, if they are damaged or destroyed by a covered loss. Keep in mind, the type of coverage will depend on the company, the type of business you own, and whether your insurance policy provides for Actual Cash Value or Replacement Cost loss settlement.

Property

  • Your building
  • Business furniture & fixtures
  • Computer equipment
  • Phone system
  • Business records
  • Money (waiting to be deposited)
  • Personal items at the business site
  • Leased or rented equipment
  • Inventory

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Liability

  • Bodily injury
  • Personal injury
  • Advertising injury

Optional Coverage Which May Be Available

  • Mechanical equipment breakdown (A/C, heat, etc.)
  • Burglary & robbery
  • Employee dishonesty
  • Business signs

Other Insurance Maze Articles of Interest

Glossary Insurance Terms: |A-C|D-H |I-M|N-P|R-T|U-W|



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