Business Owners Policy

Industrial Building
Office Space

Risk Examples:

  • Store Fronts

  • Offices

  • Salon/Barber Shop

  • Condo/Homeowners Associations

  • Medical Office

  • Computer Shop

Key Coverages:

  • Commercial Property

  • General Liability

  • Professional Liability

  • Business Income

  • Crime

  • Cyber Liability

  • Umbrella (Excess Liability) & More!

 
 

Contractors

Installation Power Buggy Rental
CONTRACTOR 2.jpg

Risk Examples:

  • Landscaping & Lawn Care

  • Construction/Excavating

  • General Contracting or Carpentry

  • HVAC

  • Plumbing

  • Electrical

Key Coverages:

  • Commercial Property

  • General Liability

  • Builder's Risk

  • Contractor's Errors & Omissions

  • Commercial Auto

  • Contractor's Tools & Equipment

  • Business Income

  • Crime

  • Cyber Liability

  • Umbrella (Excess Liability) & More!

Garage

Mechanic
GARAGE.jpg

Risk Examples:

  • Auto Repair or Body Shop

  • Auto Dealer

  • Recreational Vehicle Dealer (motorcycle, ATV, snowmobile)

  • Equipment Dealer

  • Marina/Boat Dealer

Key Coverages:

  • Commercial Propery

  • Garage Liability

  • Dealer Inventory Coverage

  • Garagekeepers Coverage (Customer's Vehicle)

  • Commercial Auto

  • Mechanic's Errors & Omissions

  • Business Income

  • Crime

  • Umbrella (Excess Liability) & More!

 
 

Education

Arms Raised in Huddle
Walking to the Bus

Risk Examples:

  • Public Schools (K-12)

  • Private Schools

  • ESC or Tech Center

Key Coverages:

  • Property

  • General Liability

  • Educator's Legal Liability

  • Bus/Auto Liability & Physical Damage

  • Flood & Earthquake

  • Crime & Employee Dishonesty

  • Cyber Liability

  • Security Risk & More!

Golf Course

GOLF COURSE.jpg
Equipment for playing golf

Risk Examples:

  • Country Clubs

  • Public Course

  • Driving Range

Key Coverages:

  • Commercial Property

  • Carts & Course Equipment Coverage

  • Tee to Green Coverage

  • Errant Ball Coverage

  • General Liability

  • Liquor Liability

  • Commercial Auto

  • Business Incom

  • Crime

  • Umbrella (Excess Liability) & More!

 

Manufacturing

Printing Machine
Laser Cutting Steel

Risk Examples:

  • Machine Shops

  • Paper, Printing, or Screen Printing

  • Metal Fabrication

  • Textiles & Apparel

Key Coverages:

  • Commercial Property

  • General Liability

  • Commercial Auto

  • Professional Liability

  • Equipment Breakdown

  • Business Income

  • Crime

  • Cyber Liability

  • Umbrella (Excess Liability) & More!

 
 

Hospitality

Hotel bed pillows
Wedding Hall

Risk Examples:

  • Restaurants

  • Hotels & Lodges

  • Event Venues

Key Coverages:

  • Commercial Property

  • General Liability

  • Liquor Liability

  • Food Spoilage

  • Special Events

  • Commercial Auto

  • Business Income

  • Crime

  • Umbrella (Excess Liability) & More!

Lessor's Risk

Contemporary Boardroom
Red Buidling

Risk Examples:

  • Rented/Leased Building

  • Office Space

Key Coverages:

  • Commercial Property

  • General Liability

  • Business Income

  • Crime

  • Umbrella (Excess Liability) & More!