BUSINESS OWNER POLICY 產業保險
很多保險公司把財產和責任險集中到单一险单上。这种“一揽子”险单被称作“企業所有人险单” (BOP)。它的特点是保险范围廣泛而且保费便宜。因為每个企业的业务个具特色，BOP可以根据你生意上的需求，特定財险的范围。例如，家具店和餐廳有著不同的需求，小的会计所和零售業務所面临的责任风险也是不同的, 零售店需要接待大批的客人，零售店和建築公司所面臨的風險又有所區分，建築公司主要面臨的是契約責任.
Many insurance companies have bundled property and liability coverage into what is commonly called a business owner’s policy (BOP), or a package policy. It allows you to obtain broad coverage with affordable premiums. Since no two businesses are the same, property insurance can be tailored to fit your needs. For example, a furniture store has different needs than a restaurant; a two-person accounting office has liability exposures that are different from a retail business with lots a lot of customer interaction.
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