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
  • Retail Stores Endorsement
    (Features eight additional bundled coverages and extensions)
  • Retail Stores DELUXE
    (Features extended coverage and limits for outdoor property and personal effects)
  • Data compromise/cyber liability
  • Employment-related practices liability
  • Equipment breakdown
  • Liquor liability
  • Loss or damage to customers’ autos
  • Spoilage
  • 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
  • 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:

  • Retail/Wholesale Foods Safety Group Dividend Plan
  • 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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