What’s included in a BOP
- Commercial property Buildings, equipment, inventory, signs, outdoor property.
- General liability Third-party injury and property damage.
- Business interruption Replaces lost income and covers operating expenses if a covered event closes your doors.
- Common endorsements Cyber liability, data breach, employment practices liability (EPLI), tools & equipment, hired/non-owned auto.
Who qualifies for a BOP
BOPs are aimed at small and mid-sized businesses typically under $5M annual revenue, limited number of locations, and low-to-moderate risk classes. Restaurants, retail, professional services, light manufacturing, and most office-based businesses qualify. High-hazard operations (heavy construction, chemical storage) usually need a monoline package instead.