No, this is not an article about a famous song although it would probably be more entertaining!  This is an informative piece to help business owners understand the Business Owners Policy (BOP).  A BOP is a packaged policy designed to protect small business owners from some of the most common risks and perils they face.  It is a HYBRID that typically combines property insurance with liability and business interruption insurance in one nice bundle.  Therefore, you receive coverage for perils such as fire, burglary, signage, glass breakage, liability, lost revenues, etc.  Each insurance company will have its own caveats as to what exactly is included in their BOP, however, this type of policy is a great option that protects eligible business from common types of losses/risks. 

Because BOP's do not cover everything a small business owner may need,  additional coverages are normally available from the insurance carrier as "add-ons" or endorsements.  These types of extras would be Business Auto, Professional Liability, Workers Compensation, Business Flood, Cyber security, Employee Practices Liability, Health, Business Umbrella, etc.  It is important to discuss all aspects of your business with your agent to be certain all bases are covered. 

Some examples of businesses that would want to look into a BOP are apartment buildings and the landlords who own them, office building owners, retail store owners, service industry and wholesalers.  This is by no means an extensive list, however, these are a few categories that could take advantage of the BOP.
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