Which of the following coverages is NOT typically included in a BOP?

When considering the typical components of a Businessowners Policy (BOP), it is key to recognize that a BOP is designed to combine several types of coverage into one package specifically for small to medium-sized businesses.

Liability protection is indeed one of the core aspects of a BOP, providing essential coverage for claims against the business, thereby protecting its assets and operations. Extra expense coverage is also typically included; it helps businesses cover additional costs incurred to operate after a loss, which can be critical for maintaining operations during recovery. Debris removal coverage is usually part of the policy as well, assisting businesses with the costs associated with clearing debris following a covered loss, which is important for returning to normal business operations.

On the other hand, commercial crime insurance is not commonly included in a standard BOP. This type of coverage is specifically tailored to protect against losses resulting from criminal activities such as theft or fraud, and businesses often need to purchase it separately based on their unique risks and needs. Thus, it is accurately identified as being typically excluded from a standard BOP, making it the correct choice in this context.