A BOP is made up of two types of insurance: general liability and business property insurance. There is no law requiring either one. However, a lot of commercial landlords will require you to buy commercial property insurance aka business renter’s insurance. Before you’re allowed to sign a lease your landlord might need to see proof of this coverage. Additionally most of your client’s contracts might also require you to have general liability insurance. So to meet either of those needs you still need to have both of these plans and the easiest way to get both in one go is with a BOP.