1. A New York businessowners policy can be extended to cover liability for autos the business hires or that employees use on its behalf by adding:

Hired and Non-Owned Auto Liability - NY (BP 04 36)

BP 04 36 adds hired and non-owned auto liability to the businessowners policy in New York; the BOP otherwise excludes auto liability.

2. Cancellation and nonrenewal of a New York businessowners policy are governed by:

Insurance Law 3426 (commercial lines)

A BOP is commercial risk insurance, so Insurance Law 3426 sets its cancellation grounds, notice periods, and 60 to 120 day nonrenewal notice.

3. A Businessowners Policy (BOP) is designed to:

Combine property and liability coverages for eligible small and medium-sized businesses

The BOP packages commercial property and general liability for eligible small to medium businesses in a single, simplified policy.

4. Which risk is typically eligible for a Businessowners Policy?

A small retail store, office, or apartment building

BOP eligibility targets smaller, lower-hazard risks such as retail stores, offices, and apartment buildings; large or high-hazard risks are ineligible.