Because businesses vary, it is impossible to have a standard policy to cover all contingencies. Also, some businesses, regardless of their size, do not fit the profile of a standard policy. For example, restaurants, wholesalers and garages have special liability needs that are not met in the standard policy. Many small businesses are now insured under package policies that cover the major property and liability exposures as well as loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP). Generally, these package policies provide the small business owner more complete coverage at a lower price than separate policies for each type of insurance needed. Your BOLT Insurance Specialist can help you decide which policy or policies are right for your business. Additional coverage for property, liability or perils or conditions otherwise excluded (e.g., flood protection) can be purchased as endorsements to a standard policy.