What is not covered under a BOP?

Professional liability, workers' compensation, and health and disability insurance are generally not included.

A BOP does not cover professional errors, employee injuries, or high-risk natural disasters like floods or earthquakes without additional policies or endorsements.

A BOP doesn’t cover flood damage when a storm causes significant water intrusion. The owner purchases a separate flood insurance policy.

Keep detailed records of your property’s value to avoid underinsurance and ensure full reimbursement in the event of a claim.