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When selling a Businessowners policy (BOP), an agent must first make sure that the business fits the insurer’s BOP program. These programs vary considerably, and it is wise to check each insurer’s underwriting requirements. Remember that a BOP includes coverages within the premium that cost extra on a monoline policy. However, under a BOP there is often no option to increase that included coverage.

The following is a checklist for both the property and liability exposures of the typical BOP insured.

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