Size, class, and exposure, and the thresholds belong to the carrier rather than to the law. Common limits are square footage, annual revenue, number of locations, and building height. Class matters more: operations a carrier treats as heavier risk, such as some manufacturing, contracting, habitational, or anything with significant auto or product exposure, are commonly written outside a BOP. Eligibility differs by carrier, so a risk declined on one program can fit another. When it fits none of them, a commercial package policy is the usual answer.
Related FAQs
No. Both are excluded from a business owners policy and are written separately. Earthquake is purchased as its own policy, typically with a deductible set as a percentage of ...
Not necessarily. It is often efficient, but the right structure depends on your risks. We help you compare the fit, not just the format.
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