What it does
BP 21 01 is the abuse or molestation exclusion of the ISO Micro-Businessowners program. It removes liability coverage under the Micro-Businessowners Coverage Form (BP 00 04) for injury arising out of abuse or molestation, the same concern addressed for the full BOP by BP 16 39 and BP 04 39.
Who needs it
Carriers attach it to micro-business classes with supervision or personal-contact exposures, such as tutors, coaches, personal trainers and personal-care providers.
Quoting and selling notes
- Point it out to clients who work with children or vulnerable adults; they may need a policy that offers abuse and molestation coverage.
- Ask about background checks and supervision practices.
- When comparing a Micro-BOP quote with a full BOP, check whether the full program would offer abuse or molestation coverage endorsements for the class; the micro program lists only this exclusion.
