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While the above coverage might be enough for your business, you may need additional coverages that are not covered by a BOP.

The following is NOT covered under a BOP: 

  • Professional liability
  • Auto insurance
  • Workers’ compensation
  • Health and disability insurance
  • Flood and sewer back-up
  • Cyber risk insurance
  • Terrorism insurance

For each of the above, you’ll need separate insurance policies.