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Which of the following businesses would most likely be INELIGIBLE for a standard ISO Businessowners Policy (BOP)?

AA florist shop with annual revenues under $3 million
BA small accounting office with 10 employees
CA four-story retail store with 15,000 sq ft of floor space
An auto repair garage accepting vehicles for service

Why this is the answer

The BOP is a package policy designed for small-to-medium commercial risks that combines commercial property and commercial general liability into a single indivisible product. ISO BOP eligibility guidelines generally include retailers, wholesale operations, service businesses, and small offices meeting size and revenue thresholds (typically buildings under 6 stories, under 100,000 sq ft, annual revenues under $5–6 million depending on class). Standard ineligible classes include auto dealers, auto repair garages, parking lots, contractors with large fleets, financial institutions, and restaurants exceeding size limits. A repair garage is instead insured with a CGL and business auto policy plus garagekeepers coverage for customers' cars in its care, which a BOP does not provide. See FL Outline §I.C.3.

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