Business Owners’ Policy for Agents

Business Owners’ Policy Product Guide for Agents

Turn to the BOP product from the AmeriTrust Group, Inc. carrier subsidiaries for a Business Owners Policy with a wide variety of target classes at competitive rates.

For information on the Business Owners’ Policy coverages, download the BOP product profile below.

Target Classes

  • Accounting Services CPAs (Office)
  • Accounting Services Except CPAs (Office)
  • Air Conditioning Systems or Equipment – Dealer or Distributors and installation, Servicing or Repair (Includes sales and installation of ducts and piping and also display rooms and shops) (Office)
  • Air Conditioning Systems or Equipment – Dealer or Distributors and Installation, Servicing or Repair (Includes sales and installation of
    ducts and piping and also display rooms and shops) (Shop)
  • Automobile Parts and Supplies Distributors
  • Automobile Parts and Supplies Retail Stores (Including Tires)
  • Automobile Repair or Service Shops
  • Automobile Repair Shops – Self-Service
  • Candy or Confectionary Stores – Confectionary Manufacturing from Purchased Chocolate on Premises
  • Candy or Confectionary Stores – No Manufacturing on Premises
  • Candy or Confectionary Stores – Nonchocolate Confectionary Manufacturing on Premises
  • Delicatessens – Primarily retailing a range of grocery items and meats
  • Delicatessens and Sandwich Shops
  • Dry Goods Dealers – Retail – Including Fabrics, Yarn and Piece Goods (New Goods Only)
  • Fence Dealers
  • Floor Covering Distributors
  • Floor Covering Stores – Except Wood or Ceramic Tile Only
  • Floor Covering Stores – Wood or Ceramic Tile Only
  • Fruit or Vegetable Distributors
  • Funeral Homes or Chapels
  • Janitorial Supplies Distributors
  • Lawn Sprinkler Installation (Office)
  • Lawn Sprinkler Installation (Shop)
  • Lawyers (Office)
  • Meat, Fish, Poultry or Seafood Retail – Fish or Seafood
  • Medical Offices (Office)
  • Medical, Hospital and Surgical Supply – Retail Only
  • Refrigeration Systems or Equipment – Dealers and Distributors and Installation, Servicing or Repair – Commercial (Office)
  • Refrigeration Systems or Equipment – Dealers and Distributors and Installation, Servicing or Repair – Commercial (Shop)
  • Residential Cleaning Services (Office)
  • Veterinarians Offices (Office)
  • Lawn Sprinkler Installation (Office)
  • Lawn Sprinkler Installation (Shop)
  • Lawyers (Office)
  • Meat, Fish, Poultry or Seafood Retail – Fish or Seafood
  • Medical Offices (Office)
  • Medical, Hospital and Surgical Supply – Retail Only
  • Refrigeration Systems or Equipment – Dealers and Distributors and Installation, Servicing or Repair – Commercial (Office)
  • Refrigeration Systems or Equipment – Dealers and Distributors and Installation, Servicing or Repair – Commercial (Shop)
  • Residential Cleaning Services (Office)
  • Veterinarians Offices (Office)

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

Availability

Available in all states except CA

Special Features

  • Multi-Year Locked-in Rate Capability!
    (Not available in CA, NY, TX, and WA)
  • 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
  • Workers’ Comp, Commercial Auto and Umbrella Coverages also available for select classes

Ineligible Classes

  • Apartments
  • Contractors
  • Condominium
  • Commercial unit owners
  • Supermarkets
  • Manufacturing
  • Motels
  • Residential condominium associations
  • Party stores
  • Grocery stores
  • Restaurant & wholesale/distribution

CONTACT US

Brian Risen CPCU, ARM, ALCM
Sr. VP – Admitted Carriers/Small Commercial

Download a copy of our Business Owners’ Policy (BOP) product profile today

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