Risk Planning(风险规划) - Business Owner Policy (BOP)

Business Owner Policy (BOP)

1. Is business liability insurance the same as a general liability (public liability) insurance?

The main difference between general liability and professional liability is in the types of risks they each cover. General liability covers physical risks, such as bodily injuries and property damage. Professional liability covers more abstract risks, such as errors and omissions in the services your business provides.

一般责任和专业责任之间的主要区别在于它们各自涵盖的风险类型。一般责任涵盖人身风险，例如人身伤害和财产损失。专业责任涵盖更抽象的风险，例如您的企业提供的服务中的错误和遗漏。

2. What is the difference between general liability (public liability) and business owners' policy?

The difference between a Commercial General Liability (CGL) policy and a Business Owners Policy (BOP) is that, while the former only covers liability losses, the latter covers both liability and property losses. ...

In addition, the policy provides a defense to the insured should they be accused of a covered loss.

商业一般责任险 (CGL) 保单与企业主保单 (BOP) 之间的区别在于，前者仅涵盖责任损失，而后者涵盖责任和财产损失。 ...此外，如果被保险人被指控承担承保范围内的损失，该保单可为他们提供辩护。

2.1 The Difference Between General Liability vs Business Owner Policy?

General liability insurance and a business owner’s policy (BOP) both cover the costs associated with third-party claims of physical injuries, property damage, and advertising injuries. However, a BOP includes added protection of commercial property insurance for your business’s physical assets, An example here is a motor vehicle workshop that needs to insure premise property against fire and perils damages, Burglary, robbery, and theft against stocks, money in premises, and general liability (public liability).

一般责任保险和企业主保单 (BOP) 均涵盖与第三方人身伤害、财产损失和广告伤害索赔相关的费用。但是，BOP 包括为您企业的有形资产提供商业财产保险的额外保护，这里的一个例子是机动车车间，它需要为场所财产投保，以防火灾和危险损害、入室盗窃、抢劫和盗窃库存、场所内的金钱、和一般责任（公共责任）。

3. Is business insurance and liability insurance the same?

General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

一般责任保险 (GL)，通常称为商业责任保险，是一种可以保护您免受各种索赔的保险，包括人身伤害、财产损失、人身伤害和其他可能因您的业务运营而引起的索赔。

4. What is comprehensive general liability insurance?

Comprehensive general liability insurance refers to a business insurance policy that provides coverage for customer injuries, customer property damage, and lawsuits related to both.

综合一般责任保险是指为客户伤害、客户财产损失以及与两者相关的诉讼提供承保的商业保险单。

BIS-PRO - Business Insurance-Agency Rep (MKAN2029)

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