Designed to meet the insurance needs of a wide range of businesses.

Just like businesses come in all shapes and sizes, so do their insurance needs. But selecting the right coverages can be a daunting task, even for seasoned entrepreneurs. That’s why we’ve designed a Businessowner’s Policy (BOP) that makes the insurance buying process easier. By bundling traditional property and liability protection into one form with optional “Add-Ons” and endorsements pre-designed for specific industry groups, we can create an insurance solution that is both simple and tailored to fit our customers’ needs.  

Targeted Industries:

SELF-SERVICE [Policyholder Service Center & Mobile App]

  • Report a claim
  • Generate a certificate of insurance
  • Make a payment
  • Generate loss runs
  • Review claims and converse with an adjuster
  • Chat with a representative
  • Upload a photo/document
  • View and print policy documents

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



  • 24/7 reporting via 1-888-NEW-CLMS
  • 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
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Frequently Asked Questions

What is a Businessowner’s Policy?

A Businessowner’s Policy (or “BOP”) is designed to simplify the insurance buying process by bundling commonly needed property and liability coverages into one insurance policy. Options to enhance coverage or extend limits vary among insurance companies but can include protection against cyber liability, equipment breakdown, spoilage of merchandise, and more. The policy is often sold for a lower premium than the total cost of individual property and liability insurance policies.

What is covered under a Businessowner’s Policy?

A traditional Businessowner’s Policy will cover: (1) expenses resulting from direct physical loss of or damage to a business’s buildings and contents; (2) loss of income resulting from an insured peril that disrupts the operation of the business; and (3) sums for which the business becomes legally obligated to pay to another party due to bodily injury, property damage, or personal/advertising injury.

What type of businesses should consider buying a Businessowner’s Policy?

Small- to medium-size businesses with less complicated insurance needs are popular Businessowner’s Policy customers. While eligibility requirements vary by insurance company, traditional candidates might include: beauty salons/barber shops, delis, car washes, landscapers, retail stores, janitorial services, and many others.

Is a Businessowner’s Policy all that’s needed to be properly insured?

Probably not. Depending upon a business’s unique circumstances, other insurance policies might also be important. Professional liability insurance, for example, should be considered if this particular coverage is not part of the Businessowner’s Policy. Commercial Auto insurance might be needed to insure any vehicles owned by the business, and Workers’ Compensation insurance is actually required by the law for most businesses with employees.

Looking for additional information?

While it’s best to consult with a licensed insurance professional when choosing types and levels of coverage for a business, other helpful resources include: any state insurance department, the Insurance Information Institute, or the U.S. Small Business Administration (SBA).