The Commercial Omission Policy (COP) is a broad all-risk policy that provides the combination of commercial real estate and commercial inland shipping that many businesses need. COP is the successor to the Manufacturer Exit Policy (MOP), which was originally developed in the mid-1950s to ensure a single safety stock during the manufacturing process as well as in transit. The American Association of Insurance Services (AAIS) offers standard COP forms and rules for use by its member insurers. In addition, many insurers have developed their own forms and rules of the COP. COP premiums are usually developed using a special rating system (called a “deficiency points rating system”) that allows many insurers to be more competitive using COP than they could with a standard commercial real estate policy.