That is common. Many shops layer on professional liability, cyber, or trade-specific coverage on top of a BOP. We can walk through what your operation may need. ...
Usually not. Standard property policies and BOPs generally exclude earthquake, so it is typically arranged separately in California.
In California, coverage is generally required as soon as you have any employees, even part-time ones.
Often yes. A BOP typically still covers your build-out, fixtures, inventory, and liability even when you do not own the building. Your lease may also require certain coverage. ...
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