Home business insurance is for sole proprietors and owner-only operations; it runs $250-800/yr. A BOP (Business Owners Policy) is for businesses with employees, multiple locations, or revenue typically above $250K. A BOP runs $500-3,000/yr but provides much broader coverage including employees and workers compensation support. If you are a solo consultant or designer, home business is sufficient. If you have employees, you need a BOP.

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What is the difference between home business insurance and a BOP?

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