Which of the following statements correctly describes a situation covered under a business owner's policy?

A business owner's policy (BOP) is designed to provide a comprehensive package of insurance coverage for small to medium-sized businesses. It typically combines property, liability, and business interruption insurance into a single policy.

Each of the listed situations is relevant to the various coverages that a BOP can include:

1. Loss due to employee theft: Many BOPs provide coverage for employee dishonesty or theft, recognizing the potential risks associated with employees having access to business assets.

2. Damage from a natural disaster: While some natural disasters may require additional specific coverage (like flood or earthquake insurance), a BOP often covers common events like fire, storms, or vandalism that can result in damage to the business property.

3. Injuries sustained on company property: Liability coverage within a BOP typically addresses injuries that occur on the business premises. This is critical for protecting the business against claims resulting from accidents involving customers or visitors.

Hence, the answer encompassing all these scenarios accurately reflects the coverage provided by a business owner's policy, affirming the comprehensive nature of BOPs in managing various risks a business may face.