What type of claim is NOT typically covered under the Standard BOP?

The Standard Businessowners Policy (BOP) is designed to provide a comprehensive package of insurance for small to medium-sized businesses, covering various types of property and liability risks. Personal injury claims typically refer to non-physical injuries, such as slander, libel, or false arrest, which are not generally included in the property damage or general liability coverage provided by a Standard BOP.

While the policy does cover property damage and liability claims that arise from specific risks like theft or fire, personal injury claims often require specialized liability insurance. These are typically offered through separate coverages or endorsements, as they address a broader spectrum of risks, including issues that are more about personal rights and reputation rather than tangible property damage.

In contrast, theft of inventory, water damage from overhead plumbing, and property damage from fire all fall under the categories that a Standard BOP would cover, making personal injury the outlier and specifically not typically covered.