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Business Owners Policy (BOP)
Imagine an insurance company who is good at insuring restaurants. They insure thousands of them, and in process they get good at it. They understand the needs and challenges of a restaurant and the insurance company decides to make it easy for restaurant owners to purchase insurance so they create a box. It contains liability and property coverage, along with few bells and whistles that insurance company thinks restaurant owner will find useful. Think of that box as a BOP.
BOP is designed for smaller, less risky accounts, only the ones that can fit in a box. At first BOP might be the right insurance solution, but as your business operations grows, you might eventually outgrow your BOX.
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