The short answer
A BOP packages general liability ($1M/$2M typical), commercial property (contents plus tenant improvements), and business interruption for small and mid-size businesses. Excluded: workers' comp, professional liability, auto, cyber. Cost: $500–$3,000/year for typical service businesses. Eligibility: usually under $5M revenue and low-risk industries.
Frequently asked
- Is a BOP enough for a contractor?
- Usually not — contractors need commercial auto, inland marine (tools), and often builders risk.
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