Which statement is accurate regarding the liability coverage available under a businessowners policy (BOP)?

The statement that both ISO (Insurance Services Office) and AAIS (American Association of Insurance Services) offer BOP endorsements for additional coverages is accurate. A Businessowners Policy typically provides a bundle of coverages, including property and liability coverage tailored for small to medium-sized businesses. However, businesses may face unique risks that standard coverage cannot fully address. Therefore, both ISO and AAIS provide endorsements that policyholders can use to expand their liability protection based on their specific needs. These endorsements may include additional coverage for things such as professional liability, employee benefits, or other specialized needs, allowing businesses to better protect themselves against potential liabilities.

This flexibility is a key feature of BOPs, making them versatile options for many business owners looking to ensure comprehensive protection.