Four things sit outside it by design, and one more sits outside by eligibility. Professional liability, workers’ compensation, commercial auto, and employee dishonesty are each written separately. Earthquake and flood are excluded, as they are on any California property form. The eligibility point matters as much: a BOP is a packaged product a carrier offers only to operations that fit its class, size, and exposure rules. Grow past those and the coverage does not shrink, the product simply stops being available and the account moves to a package policy.
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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