In a Businessowners policy, what is typically excluded from coverage?

In a Businessowners policy, commercial vehicles are typically excluded from coverage because these policies are primarily designed to cover properties and operations specific to small businesses. The purpose of a Businessowners policy is to bundle various property and liability coverages that a business may need, but it does not extend to vehicular coverage. Businesses that operate vehicles for commercial use generally need to obtain a separate commercial auto policy to ensure that their vehicles are adequately insured.

In contrast, office equipment, inventory, and employee property are generally covered under a Businessowners policy. These types of property are integral to the operation of the business and fall within the scope of what the policy aims to protect, ensuring that businesses have the financial support they need in the event of theft, damage, or loss.