Which of the following is NOT a major section of a BOP?

A Businessowners Policy (BOP) is a comprehensive insurance solution designed for small to medium-sized businesses, combining various types of coverage into a single policy. The major sections included in a BOP typically cover essential aspects of business operations, including property and liability coverage, which protect against damage to the business property and risks associated with legal liability, respectively. Additionally, the common policy conditions section outlines the foundational terms and framework applicable across the various coverages included in the policy.

Health coverage, however, is not a traditional component of a BOP. Health insurance generally falls under separate individual or group policies designed specifically for medical needs. Unlike property, liability, and common policy conditions—which are central to the functioning of a BOP in insuring business risks—health coverage is distinct and typically not addressed within the scope of a BOP. Thus, the identification of health coverage as an outlier helps clarify the structure of a BOP and its specific focus on business risks.