What type of liability coverage is automatically included in businessowners liability coverage?

Businessowners policy (BOP) liability coverage typically includes completed operations as a standard feature. This coverage provides protection for businesses against liability claims that arise from products and services that have already been completed and delivered to a customer. If a client suffers damage due to a defect in a service or product offered by the business after it has been completed, the completed operations coverage responds to such claims.

In terms of the other options, pollution liability usually requires a separate policy or endorsement because it involves specific risks related to environmental hazards that are not broadly covered under standard BOPs. Product liability is often included in the general liability coverage but may not automatically be part of the BOP unless specifically included. Professional liability, also known as errors and omissions insurance, is typically not included in a businessowners policy as it caters to the specific risks associated with professional services rather than general business operations.