A Business Owners Policy covers many things and because it is all packaged together can save on your premium.

This can cover your building if you own it, your Business Personal Property, such as office furniture, tools, equipment, etc. It can also cover General Liability, Professional Liability, Employee Practices Liability. You can also include coverage for non-owned auto. Say your employee uses their personal car for your business and gets in an accident. Without that coverage, the accident would not be covered.