- General Liability Insurance
Covers third-party claims involving bodily injury, property damage, and personal or advertising injury. - Commercial Property Insurance
Protects buildings, contents, inventory, equipment, and other physical assets. - Business Interruption Coverage
Helps replace lost income and cover operating expenses if a business is forced to close temporarily due to a covered loss.
Comprehensive Protection for Small to Mid-Sized Businesses
A Business Owner’s Policy (BOP) combines essential coverages into one streamlined policy, delivering the protection business owners need with the simplicity and efficiency that agents and brokers appreciate.
What Is a Business Owner’s Policy?
A BOP is a bundled insurance solution that includes:BOPs can be customized with a range of optional endorsements based on the unique risks of each business
Common Optional Coverages
Depending on your client’s needs and risk profile, a BOP can be enhanced with coverages such as:- Equipment breakdown
- Cyber liability
- Employment practices liability (EPLI)
- Hired and non-owned auto liability
- Employee dishonesty
- Outdoor signage and glass coverage
Optional coverages vary by state and industry class. Underwriting guidelines apply.
Who Is a BOP Designed For?
A BOP is well-suited for small to mid-sized businesses that:- Operate from a physical location they own or lease
- Maintain inventory or valuable business equipment
- Regularly interact with clients or the public
- Seek bundled, cost-effective coverage
Typical classes include retail stores, restaurants, office-based businesses, contractors, personal service providers, and more.
Why Offer BOP Coverage Through Us?
- Broad underwriting authority and flexible appetite
- Competitive pricing with customizable limits and deductibles
- Streamlined quoting and binding process
- Experienced commercial lines underwriting team
- Dedicated support for appointed agents and brokers
Support for Agents & Brokers
As your MGA partner, we provide the tools and responsiveness you need to serve your clients effectively. From pre-qualifying risks to policy issuance and renewal support, our team is here to make the process simple.
Exclusive PEO Access
We provide our agency partners with exclusive access to a preferred PEO solution, ideal for clients with high mods, coverage gaps, or non-traditional employee structures. It's the perfect option for staffing firms, contractors, and businesses that need alternative markets.