Which coverage is NOT automatically included in a Businessowner's Policy (BOP)?

In a Businessowner's Policy (BOP), certain coverages are automatically included to provide a comprehensive insurance package tailored for small to medium-sized businesses. Employee dishonesty coverage is not typically included as a standard part of a BOP. This type of coverage addresses losses caused by dishonest acts of employees, and due to the varying needs and risk levels among different businesses, it is often offered as an optional addition rather than a standard inclusion.

Conversely, general liability, property damage, and business interruption coverages are essential components of a BOP, designed to protect businesses from common risks associated with their operations. General liability covers claims of bodily injury or property damage, property damage protects the business's physical assets, and business interruption coverage aids in compensating for lost income during periods when operations are halted due to a covered event. These coverages are fundamental to the overall risk management strategy of a business, which is why they are automatically included in a BOP.