A BOP includes both General Liability and Property protection.

• General liability covers you for business liability events such as client injuries unrelated to training (slips, falls), damage to client property, personal injury claims (defamation, copyright infringement), legal defense costs, and medical payments
• Property insurance covers your exercise equipment, office electronics, and furnishings. It also provides coverage for loss of income and business interruption

Key benefits to a BOP include: 

• Savings for buying a bundle rather than separate policies
• Simplified policy management (same renewal dates and claims contact info)
• Comprehensive protection

For gyms, some common BOP claims examples include: storm damage to facility, theft of equipment, fire damage, revenue loss during repairs, and client injuries.