How many days can a building be vacant under a BOP and still be fully covered?

Under a Business Owners Policy (BOP), a building can typically be vacant for a maximum of 60 consecutive days while still being covered under the policy. After this period, if the building remains vacant, coverage may be significantly limited or lost altogether. This is an important aspect of BOP coverage, as insurers often consider properties vacant after a certain duration of no occupancy to be at a higher risk for losses, such as vandalism or deterioration that may not occur in occupied properties.

Understanding the implications of this time frame is crucial for policyholders to ensure they remain compliant with the terms of their insurance and to be aware of how their coverage might change after the 60-day mark. This ensures that they take necessary actions to maintain their coverage, such as renting out the property or obtaining a different insurance policy if needed.