Which type of insurance typically includes coverage for business interruption?

A business owner's policy (BOP) is designed to meet the specific needs of small to medium-sized businesses. It typically combines multiple forms of insurance, including property insurance and general liability insurance, into a single package. One significant feature of a BOP is that it often includes coverage for business interruption, which provides financial assistance to a business when it is temporarily unable to operate due to a covered event, such as a fire or natural disaster. This coverage helps businesses maintain revenue streams during periods when they cannot serve customers or produce goods.

Property insurance primarily covers physical damage to buildings and their contents, while general liability insurance addresses legal claims arising from accidents or injuries that occur on the business premises or as a result of the business operations. Workers' compensation, on the other hand, is designed specifically to cover employee-related injuries or illnesses incurred while performing job duties. None of these other options typically include business interruption coverage as part of their standard offerings, which further highlights the unique nature of a business owner's policy in this regard.