Who is not considered an insured under a Businessowners Policy (BOP)?

In the context of a Businessowners Policy (BOP), the definition of who qualifies as an "insured" is crucial for understanding coverage limits and responsibilities. The correct answer highlights that anyone driving the named insured's mobile equipment on public roads without permission is not considered an insured.

This is because business insurance policies, including a BOP, typically only cover individuals who have permission to use the insured property. If someone operates the mobile equipment without authorization, they do not meet the criteria for coverage under the policy. This stipulation helps protect businesses from liabilities incurred by unauthorized users, limiting the insurer's exposure to claims from actions taken by individuals who are not accountable or recognized by the policyholder.

On the other hand, the named insured (the entity or person listed on the policy), family members of the named insured, and those granted permission to use the equipment are recognized as insured parties. This inclusion emphasizes the need for accountability and the importance of consent when it comes to policy coverage.