Which additional coverage can be included in a BOP without incurring extra costs?

Business income coverage can be included in a Businessowners Policy (BOP) without incurring extra costs because it is often a standard coverage feature. This type of coverage is designed to protect a business from loss of income due to business interruption events, such as a fire or natural disaster that disrupts operations. By covering a business's lost earnings during the period of restoration, this coverage helps ensure that businesses can sustain themselves financially while they recover from a covered loss.

The other options typically require additional endorsements or standalone policies to be added to a BOP and are not standard features. Cyber liability coverage, equipment breakdown coverage, and professional liability coverage are specialized insurances that address more specific risks and usually come with additional costs, reflecting the need for tailored protection that goes beyond the basic offerings of a standard BOP.