Which country is excluded from the coverage territory of the businessowners policy (BOP)?

The businessowners policy (BOP) is specifically designed to provide coverage for small to medium-sized businesses, including protection for property and liability. When it comes to its coverage territory, the BOP generally includes locations within the United States, its territories, and Canada.

Mexico is excluded from the coverage territory of the businessowners policy. This exclusion is significant because it recognizes the unique risks and legal considerations associated with doing business in Mexico, which may not align with the standard terms and conditions of the BOP. Thus, if a business operates in Mexico or wants coverage for activities there, it would typically need to seek a different type of insurance policy that addresses the specific risks present in that geographical area.

The inclusion of the United States and Canada indicates that operations and business activities in these areas are typically covered, providing reassurance to policyholders concerning their business activities in these familiar jurisdictions. Puerto Rico is treated as an extension of U.S. territory for insurance purposes, thereby making it eligible for coverage under a BOP.