Which coverage is typically included in a Business Owners Policy that protects against liability claims?

The coverage that is typically included in a Business Owners Policy (BOP) and specifically protects against liability claims is General Liability Insurance. This type of insurance is designed to cover a business for claims of bodily injury, property damage, and personal injury that may arise from its operations, products, or services. It is a fundamental component of a BOP, providing essential protection for businesses against common risks.

General Liability Insurance helps cover legal costs and settlements that may result if a third party is injured or their property is damaged due to the insured's business activities. This protection is crucial for business owners as it helps mitigate the financial impact of liability lawsuits, which can be significant.

While Property Damage Coverage pertains to damage to the insured's own property, Excess Liability Insurance provides additional coverage beyond the limits of standard liability policies, and Product Liability Insurance specifically deals with claims arising from products sold by the business. Although these types of coverage can be important components of a complete risk management strategy, they are not typically bundled within a Business Owners Policy as the primary liability protection. Thus, General Liability Insurance stands out as a core feature of a BOP, aimed directly at addressing liability claims.