Business Owners Policy (BOP)

A businessowners policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package. While quoting small business can be a tedious process requiring hundreds of questions, our carrier's platform does all the hard work to deliver a policy quickly & efficiently. Our industry-leading technology both simplifies and accelerates the process of handling small accounts, and our centralized client services and operations team enables our staff to focus on your needs. All of this leads to speed, efficiency, and the best possible terms for your insureds.

Standard BOP
- Designed for small to moderately sized businesses
- Building height up to 10 stories
- Buildings 35 years old or newer
  - Older buildings acceptable with updates
- Four years loss experience
- Additional industry specific attributes apply
Home Based BOP
- Liability Limits up to $1M
- BPP up to $100,000 with $250 ded.
- Loss of Income Coverage & EDP available
- Home based businesses only, no store fronts
- Optional coverages include: Money & Securities, Garagekeepers, Unmanned Aircraft (states restrictions apply)
Target Industries (284 total classes)
- Max $10M TIV per loc.
  - Eating and Drinking Places (up to $15M total sales & 25% liquor sales)
  - Manufacturing & Processing (up to $25M total sales & 15,000 sq.ft.)
  - Retail/Service (up to $15M total sales & 25,000 sq.ft.)
  - Rental (up to $10M total sales & 10,000 sq.ft.)
  - Religious Institutions (up to 15,000 sq.ft.)
  - Real Estate
- Max $15MTIV per location & up to $1M in employee payroll
  - Artisan Contractors
- Max $25M TIV per loc. & up to $50M in total sales
  - Habitational (at least 75% occupancy)
  - Hospitality (up to 150 units)
  - Lessors Risk & Self Storage
Additional coverage extensions available including cyber, equipment breakdown, EPL, hired & non-owned auto, liquor liability, and professional liability for select classes
Excess Liability coverage up to $10 million is available over the BOP and any other eligible Commercial Auto and Employer’s Liability policies