Businessowner's Coverage Made Simple and Affordable

Businessowner's Policy (BOP)

Comprehensive and affordable Businessowner’s coverage for most industries underwritten by an A+ admitted carrier. Coverages have been designed to match the needs of small to mid-sized businesses from a broad range of classes, particularly "Main-Street America" type businesses.

Target Industries

  • Artisan Contractors
  • Auto Services
  • Hotel and Motels
  • Professional Offices
  • Professional and Service Occupancies
  • Restaurants- Fast Food, Full and Limited Cooking
  • Retail

Coverages | Limits

Basic Property Coverages- Replacement Cost basis incl. wind within 25 miles from coast

Building and Structure (including Building Glass and Business)

  • Personal Property - up to $12,500,000
  • Building limit automatic increase – 2% -16%
  • Business Personal Property – Seasonal Increase- 25% – 50%
  • Tenants Improvement and Betterments


Additional Property Coverages (included in most policies)

  • Awnings
  • Business Income and Extended Business Income
  • Collapse
  • Debris Removal
  • Electronic Data
  • Fire Department Service Charge
  • Fire Extinguisher Systems Recharge Expense
  • Forgery or Alteration
  • "Fungi", Wet Rot or Dry Rot (Limited Coverage)
  • Glass Expenses
  • Increased Cost of Construction
  • Interruption of Computer Operations
  • Money Orders and “Counterfeit Money”
  • Pollutant Clean-Up and Removal
  • Preservation of Property
  • Water, Other Liquids, Powder/Molten Material Damage


Extended/Optional Property Coverages (included in most policies)

  • Accounts Receivables
  • Appurtenant Structures
  • Newly Acquired or Constructed Property
  • Outdoor Property
  • Personal Effects
  • Personal Property Off Premises
  • Valuable Papers and Records
  • Employee Dishonesty
  • Outdoor Signs

Liability Coverage- limits up to $5M via our Umbrella/Excess Policy

  • Products & Completed Operations
  • Business Liability and Medical Expenses
  • Medical Expenses per Person
  • Damage to Premises Rented to You
  • Liquor Liability

Coverage Enhancements

  • Computer Fraud and Funds Transfer Fraud
  • Data Compromise
  • Employment Related Practices Liability (EPLI)
  • Fire Department Service Contract
  • Food Contamination
  • Food Spoilage
  • Employee Benefits Liability
  • Hired & Non-Owned Liability and Physical Damage
  • Garage Liability
  • Garagekeepers Legal Liability
  • Professional Liability
  • Contractor’s Equipment Floater
  • Ordinance of Law
  • Private Parking Lot
  • Umbrella Liability
  • Utility Services- Time Element
  • Water Back-Up and Sump Overflow