- 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
- Max $10M TIV per loc.
- 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
