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A BOP is a cost-effective way to bundle essential coverage. It is compromised of Multiple Coverages in a single policy:

1. General Liability
2. Business Property
3. Business Interruption

You can also choose to include additional coverages on your BOP, such as:

• Cyber Liability Insurance – Protects against data breaches, hacking, and customer information leaks.
• Professional Liability (Errors & Omissions Insurance) – Covers claims of negligence, missed deadlines, or service failures.
• Product Liability Insurance – Protects e-commerce sites selling physical products from liability claims.

General Liability Insurance (GLI) protects businesses from financial losses due to third-party claims of injury, property damage, or advertising-related issues.

Key Features:

• Bodily Injury Coverage – Pays for medical expenses and legal costs if someone is injured on your business premises.
• Property Damage Coverage – This covers damage to a third party’s property caused by your business operations.
• Legal Defense Costs – Pays for attorney fees, court costs, and settlements if sued.
• Personal & Advertising Injury – Protects against claims of libel, slander, copyright infringement, or false advertising.
• Medical Payments Coverage – Covers minor medical expenses for injured customers, regardless of fault.

What’s Typically Not Covered?

• Employee injuries (covered under Workers’ Compensation Insurance)
• Professional mistakes (covered under Professional Liability Insurance)
• Business property damage (covered under Commercial Property Insurance)

Professional Liability Insurance (also known as Errors & Omissions (E&O) Insurance) protects businesses and professionals from claims related to mistakes, negligence, or failure to deliver promised services.

Key Features:

• Legal Defense Costs – Covers attorney fees, court costs, and settlements if sued.
• Negligence Claims – Protects against claims of professional mistakes, missed deadlines, or substandard work.
• Breach of Contract – Covers disputes over unmet contract terms or undelivered services.
• Misrepresentation & False Advice – Protects against claims of providing misleading or incorrect information.
• Work Errors & Omissions – Covers financial losses due to mistakes in services or advice.

Workers’ Compensation Insurance provides financial protection for employees who suffer work-related injuries or illnesses. It helps businesses comply with legal requirements while ensuring employees receive necessary medical care and wage replacement.

Key Features

• Medical Expenses Coverage – Pays for doctor visits, hospital stays, surgeries, and rehabilitation.
• Lost Wages Compensation – Provides partial wage replacement for employees unable to work due to injury.
• Disability Benefits – Covers temporary or permanent disabilities resulting from workplace injuries.
• Legal Protection – Helps cover employer legal costs if an injured employee sues.
• Death Benefits – Provides financial support to the family of an employee who suffers a fatal workplace accident.

Business Interruption Insurance helps cover financial losses when a business is temporarily unable to operate due to a covered event.

Key Features:

• Loss of Income Coverage – Reimburses lost revenue due to a forced closure.
• Fixed Expenses – Covers ongoing costs like rent, utilities, and payroll.
• Temporary Relocation – Pays for moving to and operating from a temporary location if necessary.
• Extra Expenses – Covers additional costs incurred to minimize business downtime.
• Civil Authority Coverage – Provides compensation when government-mandated closures (e.g., natural disasters, and riots) prevent business operations.

What’s Typically Not Covered?

• Pandemics and viruses (unless specified)
• Utility outages (unless caused by covered damage)
• Voluntary business closures

Commercial auto insurance provides financial protection for vehicles owned, leased, or rented by a company, covering a variety of potential risks that arise from driving a vehicle for business purposes.

Key elements

1. Liability Coverage: This covers bodily injury and property damage if the insured driver causes an accident while driving a company vehicle.
2. Collision Coverage: This covers damage to the insured vehicle caused by a collision with another vehicle or object, regardless of fault.
3. Comprehensive Coverage: This provides protection against non-collision incidents such as theft, vandalism, fire, natural disasters, or falling objects.
4. Medical Payments/Personal Injury Protection (PIP): This helps pay for medical expenses incurred by the driver and passengers, regardless of who is at fault in the accident.
5. Uninsured/Underinsured Motorist Coverage: This protects the company if the driver is involved in an accident with someone who doesn't have sufficient insurance coverage or no insurance at all.
6. Physical Damage Coverage: This covers repair or replacement of the insured vehicle if it’s damaged or destroyed.