Buying a BOP policy is like buying the combo meal at your favorite fast food restaurant. It combines property and liability into one simple policy. Not every business will qualify for a BOP, but a BOP policy can be a good, cost-effective option for small to medium sized businesses that are in lower risk classes of business.

BOP policies can come with some very small amounts of other types of coverage “built-in for free” that you would normally have purchased separately. Those might include various Crime coverages, Cyber Liability, or Employment Practices Liability.

Consider these “built-in for free” coverages carefully, though! If they’re free, then it’s probably not enough coverage if you really need it. If any of those “built-in” coverages are ones that are important to your business, you should buy them separately where the coverages are going to be more appropriate for your needs.