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The business owner policy (BOP) is a prepackaged policy designed to fit the needs of your small business. With this policy, the insurance company provides both property and liability coverage. A BOP provides the convenience of one premium as well as a cost savings. It is a really good insurance option, but not all small businesses qualify for a BOP. A BOP is designed to cover businesses with a "low exposure to loss". If you own or operate one of these types of business, and your business property meets the guidelines, you might be able to get a BOP if you have a/an: • Office building under 6 stories or less than 100,000 square feet • Apartment or condo less than 6 stories and less than 60 units • Merchant, processing or services business building less than 25,000 square feet and gross sales less than $3,000,000 per year • Contracting business • Fast food restaurants (with beer and wine sales less than 25% of gross sales) • Convenience store (with gas pumps if gas sales are less than 50% of gross sales) Keep in mind that if you own one of these types of businesses, you may be eligible for a BOP, but carrier restrictions still apply. Some businesses, such as: • Automobile sales and servicing • Manufacturing operations • Amusement operations • Residential personal property • 1 or 2 family dwellings • Financial institutions - are immediately excluded. But because you run a retail clothing store in a small 10,000 square foot building (with only $900,000 in sales), doesn't make you a 100% safe bet to your carrier. If you sold something like furs or leathers, that would be enough to make your business ineligible. Since the rates for a BOP are extremely favorable, only businesses with a low potential for loss can be eligible. Another point you need to consider before buying a BOP is the policy limits. Since they are relatively inexpensive compared to other types of business insurance, BOPs don't have large coverages. The maximum coverage for a building is $6,000,000 and the maximum coverage for business personal property is $3,000,000. Protecting your business assets against loss is as important as insuring your home. The liability part of a BOP will pay when your visitors get injured at your place of business or if any of your products injure your customers. The property part will pay for damages to your property, as well as, damage to • Inventory • Furniture • Permanently affixed machines and equipment • Property stored off-site The BOP is an indivisible policy. This means that you cannot separate the liability portion from the property portion. You pay a single premium for both. Erika C. Harris is a licensed agent who teaches clients to use insurance as part of a holistic approach to money and business management. Visit the website [http://echolmaninsurance.com] for free resources and more information.