
Business Owners Policy


Risk Examples:
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Store Fronts
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Offices
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Salon/Barber Shop
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Condo/Homeowners Associations
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Medical Office
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Computer Shop
Key Coverages:
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Commercial Property
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General Liability
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Professional Liability
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Business Income
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Crime
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Cyber Liability
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Umbrella (Excess Liability) & More!

Contractors


Risk Examples:
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Landscaping & Lawn Care
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Construction/Excavating
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General Contracting or Carpentry
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HVAC
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Plumbing
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Electrical
Key Coverages:
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Commercial Property
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General Liability
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Builder's Risk
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Contractor's Errors & Omissions
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Commercial Auto
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Contractor's Tools & Equipment
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Business Income
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Crime
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Cyber Liability
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Umbrella (Excess Liability) & More!

Garage


Risk Examples:
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Auto Repair or Body Shop
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Auto Dealer
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Recreational Vehicle Dealer (motorcycle, ATV, snowmobile)
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Equipment Dealer
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Marina/Boat Dealer
Key Coverages:
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Commercial Propery
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Garage Liability
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Dealer Inventory Coverage
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Garagekeepers Coverage (Customer's Vehicle)
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Commercial Auto
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Mechanic's Errors & Omissions
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Business Income
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Crime
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Umbrella (Excess Liability) & More!

Education


Risk Examples:
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Public Schools (K-12)
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Private Schools
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ESC or Tech Center
Key Coverages:
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Property
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General Liability
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Educator's Legal Liability
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Bus/Auto Liability & Physical Damage
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Flood & Earthquake
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Crime & Employee Dishonesty
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Cyber Liability
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Security Risk & More!

Golf Course


Risk Examples:
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Country Clubs
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Public Course
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Driving Range
Key Coverages:
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Commercial Property
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Carts & Course Equipment Coverage
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Tee to Green Coverage
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Errant Ball Coverage
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General Liability
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Liquor Liability
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Commercial Auto
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Business Incom
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Crime
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Umbrella (Excess Liability) & More!

Manufacturing


Risk Examples:
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Machine Shops
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Paper, Printing, or Screen Printing
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Metal Fabrication
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Textiles & Apparel
Key Coverages:
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Commercial Property
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General Liability
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Commercial Auto
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Professional Liability
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Equipment Breakdown
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Business Income
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Crime
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Cyber Liability
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Umbrella (Excess Liability) & More!

Hospitality


Risk Examples:
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Restaurants
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Hotels & Lodges
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Event Venues
Key Coverages:
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Commercial Property
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General Liability
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Liquor Liability
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Food Spoilage
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Special Events
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Commercial Auto
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Business Income
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Crime
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Umbrella (Excess Liability) & More!

Lessor's Risk


Risk Examples:
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Rented/Leased Building
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Office Space
Key Coverages:
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Commercial Property
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General Liability
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Business Income
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Crime
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Umbrella (Excess Liability) & More!