One of the key concepts of liability coverage is that it is comprehensive in nature. Commercial General Liability (CGL) is the standard commercial liability policy used to insure businesses

Designed specifically for small businesses, a Business Owners Policy (BOP) is a combination commercial policy that covers property, general liability, and business interruption. It is written with strict underwriting guidelines including maximum allowable square footage for office, retail, or apartment risks. A BOP is most appropriate for small, "main street" businesses such as: hardware stores, barbershops, greeting card shops, accountant offices, or low-density apartment houses. Discuss the option of a BOP with your broker-agent, as the premium for qualifying businesses can be very competitive.