A number of situations, people and circumstances are excluded from the standard BOP liability coverage. There are various reasons. Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance. Liability for pollution or in connection with professional services is excluded because only some businesses need that coverage, and it can be purchased separately. Auto liability is excluded because it is covered by a business owners auto policy. Damage to your own property is excluded because it is covered by your property insurance.

The standard policy form does not provide coverage for a recall of products, work, or impaired property due to a suspected defect, deficiency, inadequacy, or dangerous condition. You may purchase a Product Withdrawal Expense Endorsement to cover some of this risk.