Jane owns an aquarium supplies store and purchases a Business Owners Policy. Which protection can she expect from her standard BOP with no endorsements?

In a standard Business Owners Policy (BOP), coverage for extra expense is included to help businesses like Jane's aquarium supplies store manage the financial impact of unexpected disruptions. This protection is designed to cover the additional costs a business might incur to continue operations after a covered loss, such as renting temporary space, equipment, or extra staff.

In the context of Jane's situation, if her store experiences a covered event, the extra expense coverage would facilitate her ability to keep the business running while she recovers from the loss. This ensures business continuity, which is essential for maintaining customer relationships and revenue streams.

The other types of coverage mentioned in the choices do not fall under the standard provisions of a BOP without specific endorsements. For instance, coverage for company-owned vehicles is typically handled under a separate commercial auto policy rather than the BOP. Malpractice insurance is generally relevant for professionals providing specific services and is not included in a BOP. Named peril coverage refers to a specific type of property coverage that identifies particular risks, but a standard BOP does not solely limit coverage to named perils; rather, it often includes broader protections.