Commonly referred to as a "BOP", this comprehensive policy is designed to meet the diverse insurance needs of small businesses.

While BOPs are not standardized, they typically include essential coverages with variations among insurance companies. The fundamental BOP encompasses business property coverage for both building and contents, along with liability protection for your business operations. This liability coverage extends to both your business's operations at its established location and liability arising from your products or completed operations.

Additionally, some BOP policies may include business income and extra expense protection following an insured loss. However, it's important to note that BOPs do not provide coverage for all aspects of a small business's needs. Specifically, they do not include workers' compensation, professional liability, or business vehicle coverage.