The business owners policy (BOP) is one of the easiest and most cost-effective ways of securing insurance for your small business. Packaging the most common business coverages in a bundled policy provides affordable peace of mind, one premium, often a single-loss deductible, and only one insurance company to work with during a claim.
There are some things, however, that aren't covered under the BOP. Coverages that are potentially needed but aren't included under the standard BOP include professional liability, commercial auto, and workers compensation.
Certain classes or types of business work perfectly within the confines of a BOP policy, but your best course of action is to go through a comprehensive checklist of operations with your agent.