Which of the following is included in a Business Owner Policy (BOP)?

A Business Owner Policy (BOP) is specifically designed to meet the insurance needs of small and medium-sized businesses. One of the main features of a BOP is that it combines several types of coverage into a single policy, which often includes property insurance and business interruption insurance.

The bundled property and income protection included in a BOP allows business owners to safeguard their physical assets, such as buildings and equipment, while also protecting against loss of income due to covered events that disrupt business operations. This is particularly valuable for small businesses that may face financial difficulties if they cannot operate normally for a period due to a loss.

The other options, while important for businesses, typically fall under separate policies. Automobile liability coverage is generally found in auto insurance policies, workers compensation insurance is specifically designed to cover job-related injuries and illnesses, and cyber security insurance addresses data breaches and online threats—all of which are not standard inclusions in a BOP. Thus, the bundling of property and income protection is the correct component that specifies what is included in a Business Owner Policy.