A policy for small businesses that do not qualify for a BOP that combines property insurance and commercial general liability insurance is called a

Commercial Package Policy

Explanation:  A Commercial Package Policy (CPP) is an insurance policy that combines coverage for multiple perils, such as general liability and property risk

A BOP is designed for more smaller businesses with less risk, while a Commercial Package policy is meant for a more risky business, or a business that needs more customized coverages.

someone i feel is a leader in my life id have to say would be my mother because she has give me great advice in life and got me out of tough situations. some characteristics she has are creativity, honesty, commitment, respect for others, and communication. one example of a situation when she demonstrated leadership was when i was working late on homework and i started to get stressed and got upset, she asked me if i needed some , and she me with my work. she demonstrated communication and commitment.

i don't know if this is exactly what your looking for but i hope this !