Can a gas station or convenience store include a car wash in its BOP?

A business owner's policy (BOP) typically offers a bundled coverage plan that includes property insurance, liability insurance, and additional protections tailored for small to mid-sized businesses. However, certain operations may either be excluded outright or require additional consideration depending on the nature of the business.

In the context of a gas station or convenience store, the inclusion of a car wash may be seen as a separate line of business or an additional risk not covered under the standard terms of the BOP. This is primarily due to the different kinds of exposures associated with operating a car wash, such as additional liability risks related to equipment, water usage, environmental concerns, and potential slip-and-fall incidents that are distinct from the typical operations of a gas station or convenience store.

Thus, because a car wash is considered an excluded operation under the standard provisions of a BOP, it would not be covered without special endorsements or modifications to the policy. Recognizing these exclusions is crucial for understanding the limitations of coverage provided under a standard business owner's policy.