Short answer: For salons with a storefront, equipment, inventory or a build-out, a BOP is usually the most efficient way to combine general liability, property and business income coverage. Solo renters with little equipment may only need liability.

The details

A BOP does not include workers’ comp, flood or earthquake.

Compare BOP and liability-only quotes side by side.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: BOP vs. GL · BOP definition.

More questions: Can I add my landlord as additional insured? · Can I cancel salon insurance at any time? · Does spa insurance cover saunas, cold plunges and hydrotherapy?.

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