Which of the following risks is MOST likely to be INELIGIBLE for a standard Businessowners Policy?
a.A 6,000-square-foot retail boutique
b.A 12-unit apartment building
c.A large automobile manufacturing plant
d.An accountant's office occupying 4,000 square feet
Explanation
BOPs are designed for small-to-mid-sized risks such as small retail stores, offices, and small habitational risks. Heavy manufacturers (especially of automobiles), banks, large hotels, and businesses involving auto repair or service stations are typically ineligible and must be written on separate commercial lines forms.
Law Reference: ISO Businessowners Policy — eligibility (typical)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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Related questions on this topic
- A wildfire damages neighboring properties (but not the insured restaurant's building). Local police bar access to the entire block for two weeks. Which extension under the Business Income form responds to the restaurant's lost income during this access prohibition?
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