Hiscox, a Bermuda-based specialist insurer, has expanded the availability of its Business Owners Policy (BOP) offering to 14 more states in US, in addition to the Arizona, California and New York states.

Hiscox said the business owner’s insurance package (BOP) combines general liability insurance with business property coverage to address typical risks faced by small businesses.

The BOP insurance coverage is now also available online or over the phone in Colorado, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, Texas and Wisconsin.

According to the Hiscox, the BOP offering provides businesses with customized and flexible coverage options for risks including commercial property, office buildings, commercial crime, electronic data loss and hired or non-owned vehicles liability.

Hiscox small business insurance expert Kevin Kerridge said the BOP coverage is a key addition to the product suite for small business owners, offering them additional protection for their business equipment and property, as well as additional exposures small business owners commonly face.