Which of the following best describes the main coverage of a Business Owner's Policy (BOP)?

The main coverage of a Business Owner's Policy (BOP) is best described as providing coverage for both property and liability in a single policy. This comprehensive package is designed specifically for small to medium-sized businesses, combining several essential coverages that typically include property insurance for physical assets and liability insurance to protect against claims of injury or damage.

This bundled approach offers convenience and cost savings for business owners who would otherwise need to purchase separate policies for property and liability coverage. By having a single policy, businesses can ensure they are sufficiently protected against a range of risks that they may face in their operations, such as damage to their building and contents or legal claims arising from accidents.

The other options do not accurately reflect the nature of a BOP. Limited liability coverage exclusively is too narrow and does not encompass the property coverage that is integral to a BOP. Insurance for commercial property only fails to acknowledge the liability component that is also included. Comprehensive health coverage for employees is unrelated to a BOP, as BOPs do not typically cover employee health benefits.