Business Owners’ Policy for Agents

• 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)

• 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

Available in all states

• 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

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