Hiscox, a Bermuda-based specialist insurer, has introduced its Business Owners Policy (BOP) for small business in Arizona, California and New York, with coverage in additional states planned for later this year.

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.

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 offers small business owners additional protection for their business equipment and property, as well as additional exposures small business owners commonly face.