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 $75 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
- Typical liability limits up to $1 million
- 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
- 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
- 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.
