Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverage separately.) One package purchased by small and mid-sized businesses is the business owners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face. BOPs include the following: Property insurance for buildings and contents owned by the company, Business interruption insurance and Liability protection. BOPs do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles and your employees.

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