Which coverage is typically not included in a standard business owner's policy (BOP)?

A standard Business Owner's Policy (BOP) is designed to provide a package of insurance coverage for small to medium-sized businesses, typically combining property and liability coverage. Within a BOP, property coverage protects the physical assets of the business, while liability coverage provides protection against claims of bodily injury or property damage to third parties. Business interruption coverage is also included in a BOP, as it aids businesses in covering lost income due to shutdowns from covered events.

Auto coverage, however, is not included in a standard BOP. Instead, businesses would need to purchase a separate commercial auto insurance policy to cover vehicles owned by the business, which would include coverage for liability, collision, and other related protections for vehicles. This distinction is important because businesses often have different insurance needs surrounding their vehicles compared to their property and liability risks. Therefore, auto coverage being excluded from a standard BOP is significant in understanding the comprehensive nature of business insurance packages and what is typically bundled together versus what requires separate policies.