What coverage would you expect to be automatically included in a BOP?

In a Business Owner's Policy (BOP), liability coverage for premises operations is a fundamental component that is typically included automatically. This coverage protects the business against claims of bodily injury or property damage that occurs on the business premises or as a result of its operations. The BOP is designed to meet the needs of small to medium-sized businesses, providing a streamlined package of essential coverages, which helps ensure that businesses are protected from common risks associated with their physical locations and daily operations.

Other options, such as employee health insurance, commercial auto insurance, and cyber liability insurance, are generally not included in a standard BOP. Employee health insurance is typically a separate policy managed through employee benefits. Commercial auto insurance covers vehicles specifically utilized for business purposes and requires separate coverage, while cyber liability insurance, which addresses risks associated with data breaches and cyber incidents, is usually secured through different policies tailored to those specific risks. Thus, the inclusion of liability coverage for premises operations in a BOP aligns with the policy's purpose to provide basic protection for business operations.