The simple answer is yes, coverage can vary per business. Industries may have different requirements, and the size of the business can affect what policies you can avail. Think about it: you wouldn’t expect a veterinary clinic to have the same considerations as a brewery, nor a small business with 35 employees compared to a medium-sized business of 300. Small businesses in particular normally opt for a package policy called Business Owner’s Policy (BOP). The particulars may change per business, but it generally protects owners from liabilities such as: Fire Theft Property damage Bodily harm/injury Business interruption You may also opt in for specialized coverage, such as spoilage of merchandise, data breach, flood protection, and more as endorsements. These can also be purchased as separate Difference in Conditions policies.