Why buy a business owner’s policy (BOP)?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 15, 2020

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Low premiums and a minimum of hassle, since the coverages are prepackaged. But the lack of flexibility may be a problem for business owners who want different options or higher maximum coverage.

But a BOP does not cover every type of risk you might need to insure, so you may need additional types of coverage such as fleet insurance for the automobiles you own, additional coverages for the specific risks faced by businesses in your industry and workers compensation or employee benefits, etc.

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