Which of the following is NOT a component of a businessowner's policy (BOP)?

A businessowner's policy (BOP) typically combines various types of coverage designed specifically for small to medium-sized businesses, offering a convenient package that covers several essential risks. Among the core components included in a BOP are property coverage, which protects the physical assets of the business such as buildings and inventory; liability coverage, which provides protection against claims of injury or damage to third parties; and business interruption coverage, which covers loss of income that can occur as a result of a covered loss that disrupts normal business operations.

Automobile insurance, on the other hand, is generally not included in a BOP. This type of insurance specifically covers vehicles used for business purposes, which is often sold as a separate policy or as part of a commercial auto policy. Thus, it is distinct from the comprehensive coverage offered in a BOP and is necessary for businesses that own or use vehicles. Therefore, identifying automobile insurance as not being a component of a businessowner's policy aligns with understanding the inclusions and exclusions typically associated with BOPs.