Commercial General Liability Coverage
Insurance companies selling business insurance today typically offer policies that combine protection from all major property and liability risks in one package. This popular insurance package is called the business owners policy (BOP). A BOP policy offers policies that combine protection from all major property and liability risks in one package.

A BOP includes:
· Property insurance for buildings and contents owned by the company.

· Business interruption insurance, which covers the loss of income resulting

  from a fire or other catastrophe that disrupts the operation of the

  business. It can also include the extra expense of operating out of a

  temporary location.

· Liability protection, which covers your company's legal responsibility for

  the harm it may cause to others. This harm is a result of things that you

  and your employees do or fail to do in your business operations that may

  cause bodily injury or property damage due to defective products, faulty

  installations and errors in services provided.

Disclaimer: A BOP will not cover professional liability, auto insurance, worker’s compensation or health and disability insurance. These policies will need to be purchased separately.

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