A Business Owner’s Policy package provides both property and liability coverage for eligible small businesses. Business owner’s policies are written on special coverage forms that are generally very similar to their mono-line property and liability form counterparts, but they typically have some unique features that make them especially advantageous for businesses that qualify. Both the American Association of Insurance Services (AAIS) and the Insurance Services Office Inc. (ISO), offer business owners policy programs for use by their member insurers. Also, many insurers have their own business owner’s policy programs.
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