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 & Liability)

  • Property limits up to $20 million
  • Liability limits up to $1 million/occurrence, $2 million/aggregate
  • Liquor Liability
  • Data Compromise/Cyber Suite
  • Loss or Damage to Customers’ Autos
  • Employment-Related Practices Liability
  • Franchise Upgrade endorsement
  • Equipment Breakdown
  • Additional Insured – Grantor of Franchise
  • Restaurant PLUS
    (Features 24 additional coverages, higher limits, and extended time frames)
  • Restaurant PREMIER
    (Features 28 additional coverages, higher limits, and extended time frames)
  • 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.


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.


  • Online training videos
  • Educational/safety flyers
  • Help with OSHA compliance
  • Data compromise/cyber suite risk-management e-hub
  • Employment-related practices help line and website
  • Safety Committee Training
  • Other resources


  • 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:

  • Restaurant Safety Group Dividend Plan
  • Preferred Businessowner’s Policy rates (fine-dining and select franchises)
  • 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, or dividends apply in all states or pertain to all lines of coverage.

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