Which document provides coverage for business operations including property and liability?

The Businessowners policy is specifically designed to cover businesses by combining property and liability coverages into a single policy. This policy is tailored for small to medium-sized businesses and encompasses a wide range of business operations. It typically includes coverage for the physical assets of the business, such as buildings and equipment, as well as liability protection in case of accidents or claims resulting from the business activities.

In contrast, a homeowners policy primarily provides coverage for residential properties and personal possessions, focusing on the needs of individuals rather than businesses. An ocean marine policy specifically covers maritime ventures, focusing on ships and cargo during transit over water, which is not applicable to general business operations. A general liability policy offers protection against third-party claims for bodily injury and property damage but does not cover the business's physical assets. The Businessowners policy effectively bridges these gaps by offering comprehensive coverage applicable to operational needs, making it the appropriate choice for business coverage.