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
