Which coverage or provision is NOT included in a businessowners policy?

In a businessowners policy (BOP), umbrella coverage is not included. A businessowners policy is designed to provide comprehensive protection for small to medium-sized businesses, typically encompassing property and liability coverages among other provisions.

Property coverage within a BOP protects the physical assets of the business, such as buildings and personal property from risks like fire, theft, and vandalism. Liability coverage is included to protect the business against claims for bodily injury or property damage arising from its operations, products, or services.

Common policy conditions outline the terms and responsibilities that apply across different types of insurance policies, ensuring that policyholders understand the rules governing coverage.

Umbrella coverage, however, functions as an additional layer of liability protection beyond the limits of other liability policies, and it is generally purchased separately. It can apply to various liability claims but does not come standard within a businessowners policy.