Why buy a business owner’s policy (bop)?
Low premiums and a minimum of hassle, since the coverages are prepackaged. But the lack of flexibility may be a problem for business owners who want different options or higher maximum coverage. But a BOP does not cover every type of risk you might need to insure, so you may need additional types of coverage such as fleet insurance for the automobiles you own, additional coverage for the specific risks faced by businesses in your industry and workers compensation or employee benefits, etc.
