Consult with your insurance agent about the key coverages shown below as well as the industry customizations we make available that might be best suited for your business.

Businessowner’s Policy

  • Property limits up to $50 million
  • Liability limits up to $1 million/occurrence, $2 million/aggregate
  • Hotel/Motel Endorsement
    (Features eight additional bundled coverages and extensions)
  • Hotel/Motel Deluxe
    (Features extended coverages and limits for outdoor property, guests’ property, etc.)
  • Franchise upgrade
  • Liability for guests’ property in safe deposit boxes
  • Liquor liability
  • Loss or damage to customers’ autos
  • Learn more

Commercial Package Policy

  • Commercial property coverage with limits up to $120 million
  • Commercial general liability with aggregate limits up to $6 million
  • Built-in equipment breakdown, inland marine, and crime coverages
  • Extended property (outdoor property, awnings, canopies, fences, signs, and retaining walls)
  • Commercial Property Customizations
    (Features over a dozen additional bundled coverages and extensions)
  • General Liability Customizations
    (Features over a dozen additional bundled coverages and extensions)
  • Hired- and non-owned auto liability
  • Liquor liability
  • Spa services (professional liability)
  • Golf and Tennis Customizations
    (Provides additional coverages for garagekeepers, grounds, guests’ property, sprinklers, swimming pools, etc.)
  • Learn more

Commercial Auto

  • Physical damage for commercial vehicles up to $250,000; private passenger vehicles (used for commercial purposes) up to $75,000
  • Liability up to $1 million combined single limits
  • Business Auto Broad Form
    (Extends coverage and limits and includes hired car physical damage coverage up to $75,000)
  • Learn more

Commercial Umbrella

  • Liability limits up to $5 million, higher available
  • Learn more

Workers’ Compensation

  • Medical expense coverage
  • Indemnity payments for time away from the job
  • Employer’s liability coverage
  • Learn more

Certain eligibility requirements and all company underwriting guidelines apply.

SELF-SERVICE

We make it easy for our customers to self-service through our online Policyholder Service Center and BHGUARD mobile app.

  • Make a premium payment
  • View and print policy documents
  • Generate a certificate of insurance
  • Report a claim (select lines of coverage)
  • Upload a photo/document for claims reporting
  • Review any claims and message with the adjuster
  • Generate loss runs
  • Perform a Workers' Comp premium audit
  • Download Workers' Comp posting notices
  • Print Commercial Auto ID cards
  • Chat online with a company representative

  • Current policyholders can sign up for electronic delivery via our Policyholder Service Center.

LOSS CONTROL

  • Online training videos
  • Educational/safety flyers (in English and Spanish)
  • Data compromise/cyber suite risk-management e-hub
  • Employment-related practices help line and website
  • Ergonomic evaluations
  • Onsite surveys and consultations
  • Assistance with recommendations
  • Safety Committee Training
  • Smart Risk Management (protection against fires/water)
  • Other resources

CLAIMS

  • 24/7 reporting via 1-888-NEW-CLMS
  • Physician Look-Up
  • Preferred medical provider panels
  • Return-to-Work Program
  • Electronic property claims payments
  • Timely estimates and appraisals
  • Expert subrogation team with national network of attorneys
  • Specialized litigation and fraud units
  • Seasoned catastrophe response team

Not all services pertain to all lines of coverage.

Our customers may be eligible for:

  • Preferred Businessowner’s Policy property rates (select franchises or applicants meeting certain criteria)
  • Drug-Free Workplace Credit
  • Safety Program Credit
  • Multi-Policy Discount
  • Other premium savings based on past loss history, the age and condition of your building, employee experience, and other unique business characteristics

Not all credits/discounts apply in all states or pertain to all lines of coverage.

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