Which of the following is covered under a Business Owners Policy (BOP)?

A Business Owners Policy (BOP) is specifically designed for small to medium-sized businesses, providing a packaged insurance solution that typically includes property insurance, liability coverage, and additional business-related protections. This type of policy is particularly appealing to small business owners because it combines several types of coverage at a lower cost than purchasing each policy separately.

Many commercial insurance products cater to larger enterprises, such as those involving complex risks or extensive physical assets, which would not qualify under a BOP. Additionally, a BOP generally does not cover home-based businesses as a distinct category; while it can include some elements applicable to certain home-based operations, it is not exclusively for that purpose. Lastly, international operations are usually excluded from the scope of a standard BOP due to the complexities and unique risks associated with doing business in a foreign market.

Thus, the distinction of small business properties as the correct answer highlights that BOPs are tailored to meet the needs of smaller businesses, making them a vital tool for entrepreneurs looking for comprehensive yet affordable insurance coverage.