Our BOP (business owners policy) provides comprehensive coverage for small businesses. The BOP program includes the general classes of business listed below. The product can be enhanced by adding one of our two enhancement endorsements, Prime or Prime Deluxe. The BOP can be written for business with and without a liquor exposure and we can provide Excess Liability coverage of up to $1mm in addition to the BOP. Click here for a BOP application. All of our applications are located at Applications – Hospitality Insurance Group. If the business sells or serves alcohol, the Hospitality Insurance liquor application should also be submitted. The liquor application link is here.
General eligible classes include:
- Restaurants from fast food to fine dining (with or without alcohol)
- Package stores
- Convenience stores
- Food markets (up to 4,000 sq ft)
- Offices
- Lessors Risk
- And many “Main Street” retail type businesses.
Click here to see “Frequently Asked Questions” and learn more about the program.
Introducing Our BOP Quick Quote Tool: Get a Premium Indication in Under 5 Minutes
We know that time is money—especially for our agents. That’s why we’re excited to roll out our new BOP Quick Quote feature, designed to make your quoting process faster, easier, and more efficient than ever.
With our Quick Quote tool, you can get a premium indication in under 5 minutes. That’s right—no more lengthy applications just to determine if an account is in appetite. Agents can now quickly identify opportunities, gauge pricing, and if everything looks good, seamlessly flip over to a full quote for referral to the company.
This feature helps eliminate the guesswork and lets you spend more time building relationships and growing your book.
New Appetite Alert: Mixed-Use Buildings Now Eligible
We’ve also expanded our BOP appetite to include mixed-use buildings with habitational occupancies, provided certain safety standards are met:
- No more than 40% of the building’s total occupancy is residential.
- The habitational units must have at least two means of egress.
- Hardwired and interconnected smoke detectors are required.
This is a great opportunity to round out your accounts or bring new business into the fold—especially in urban areas where mixed-use properties are common.
Why It Matters
Historically, the quoting process could feel like a guessing game—lots of paperwork just to find out a risk was ineligible. With the Quick Quote tool and expanded BOP eligibility, we’re putting the power back in your hands, making it easier to do business with us.
Whether you’re looking to test the waters on a new risk or need to quote something quickly for a client in a pinch, the Quick Quote tool is here to help.
Ready to give it a try?
Log into the portal and see how fast quoting a BOP can really be. If you have any questions or need assistance, your underwriter is just a phone call or email away.