BOP

In today’s tightening market, successful agents go beyond quoting—guiding middle-market clients to understand underwriting, improve their risk profile, and become accounts insurers want to write.

The Micro-Businessowners Coverage Form—also known as the Micro-BOP—may be a good and inexpensive answer for your smaller entrepreneurs without commercial property exposures.

“These are the people taking risks, following their dreams, and creating something special,” says independent agent Luke Hoerr. “When I help them get the right coverage, I’m not just selling insurance—I’m helping protect someone’s passion project and supporting our local economy.”

Coverage provides comprehensive commercial insurance coverage for the high-risk adventure rental sector.

The California SURE business owners policy (BOP) product is designed for small to midsized business owners in California. It is available for more than 400 business classes across eight industries.

With home-based businesses becoming more common, your homeowners clients represent an exciting new market.

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

Coverage includes general liability and professional liability up to $2 million limits, $5 million per location and $10 million total limits.

The carrier is covering water damage to a nail salon’s pedicure platforms, but says the restoration expenses to remove the water and mold should be paid by the landlord’s policy.

The new business owners policy (BOP) offers a simple program at a low price for small salons, with options to tailor the policy to specific needs.