Agency Business Owner Policy (BOP)

Business Owners Policies (BOP) for Agencies

Target Classes

  • Targeted healthcare practices:
    • Small physician offices
    • Dentists or orthodontists
    • Optometrists
    • Physical therapists
    • Chiropractors
  • Targeted healthcare services:
    • Hearing aid stores
    • Optical stores
    • Drugstores (Pharmacies performing compounding are ineligible)
    • Durable medical equipment stores
    • Medical, hospital & surgical supply
    • Health & natural food stores
  • Specialized coverage enhancements options available:
    • Spoilage – perishable medicines & medical supplies
    • Valuable papers & records
    • Salesperson samples
    • Pharmacist professional liability
    • Cyber liability protection

Availability

Most States | Not Available: AK, HI & MA

Ineligible Classes

  • Dialysis
  • Emergency rooms/urgent care
  • Cancer treatment
  • Sleep studies
  • Free clinics
  • Aids clinics
  • Hospital premises
  • Buildings built prior to 1990 without updates
  • We do not provide medical malpractice professional liability insurance

Additional Coverages

  • Umbrella Liability
    • Up to $5,000,000 Per Occurrence Limit
    • Minimum premium of $1,000
  • Commercial Automobile Coverage
    • Up to $1,000,000 Combined Single Liability Limit
  • Comprehensive and Collision coverages also available. Qualified Customers would have:
    • 5 or fewer vehicles
    • Private passenger, light truck, and vans
    • No high-value or antique vehicles
    • No drivers under 25 years of age
    • No drivers w/more than 1 moving violation in past 3 years

Special Features

  • Multi-Year Locked-in Rate Capability!
  • Use of ISO BOP eligibility guidelines
  • Up to 35,000 sq. ft. total floor Offices up to 100,000 sq. ft.
  • Minimum premium: $500
  • Sales up to $6,000,000
  • Professional liability coverage available for applicable service classes
  • Optional coverages include:
    • Cyber liability

Download a copy of our Business Owners Policy Product Today

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