About This Coverage

About This Coverage

A Businessowners Policy or "BOP", is designed for small to medium-sized businesses. It protects company assets from 3rd-party legal liabilities, assets from damage by perils, and can also provide reimbursement for business interruption. Coverage types include general liability, products liability, property, and sometimes professional liability.

EligibleStateOrange-1

State Eligibility


Eligible State

State Not Available

IndustriesAvailableOrange

Industries Available


  • Agriculture

    Agriculture

  • Mining

    Mining

  • Utilities

    Utilities

  • Construction

    Construction

  • Manufacturing

    Manufacturing

  • Wholesale

    Wholesale Trade

  • RetailTrade

    Retail Trade

  • Transportation

    Transportation and Warehousing

  • Information

    Information

  • Finance

    Finance and Insurance

  • RealEstate

    Real Estate Rental and Leasing

  • ProfessionalScientific

    Professional, Scientific, and Technical Services

  • Management

    Management of Companies and Enterprises

  • Administrative

    Administrative and Support

  • Education

    Educational Services

  • Health

    Health Care and Social Assistance

  • Arts

    Arts, Entertainment, and Recreation

  • Accomodations

    Accommodation and Food Services

  • OtherServices

    Other Services except Public Administration

CoverageLimitsOrange-1

Coverage Limits


Up To

$4M


KeyFeaturesOrange

Key Features


  • Business Interruption
  • General Liability
  • Products Liability
  • Property
  • Excess / Umbrella
PreferredClassesOrange

Preferred Classes


  • Auto Parts and Supplies (excluding installation and repair)
  • Auto Parts and Supplies - Wholesale
  • Bakeries - Retail / Wholesale
  • Barber or Beauty Shop Supplies
  • Beverage Stores - Coffee, Soft Drinks and Water
  • Beverage Stores - Liquor and Wine
  • Books and Magazine Stores - New and Used
  • Building Materials
  • Camera and Photographic Equipment
  • Cell Phone Stores
  • Clothing Stores Retail / Wholesale
  • Coffee Shops
  • Coffee/Tea and Supplies
  • Convenience Stores
  • Delicatessens - no cooking
  • Drug Stores
  • Dry Cleaners (no Bailee or Transit Coverage)
  • Electronics
  • Floor Covering Stores
  • Florist - Wholesale
  • Florists
  • Food Products Distributor (no private labels)
  • Food-Related Businesses
  • Furniture (new only) and Office Furniture
  • Gardening Stores
  • Gas Stations (excluding repair or garage operations)
  • Gift Shops
  • Grocery/Supermarkets
  • Hardware and Tools Retail / Wholesale
  • Hobby, Craft or Artists' Supplies Retail / Wholesale
  • Home Furnishings
  • Ice Cream Store
  • Jewelry - Costume & Precious Retail / Wholesale
  • Newsstands
  • Office Machines and Supplies
  • Packing and Shipping - retail, drop locations only (i.e., Mailbox Etc.)
  • Paint, Wall Paper, or Wall Covering
  • Painting, Pictures, or Frames
  • Party and Supplies
  • Pet Stores
  • Printers
  • Restaurant Supplies
  • Sandwich Shop - No Cooking
  • Shoes
  • Signs
  • Smoke Shops (no smoking on premises; no vape and/ or e-cigarette shops)
  • Snack Bar
  • Sporting Goods or Athletic Equipment (Including Apparel)
  • Stationery or Paper Products Retail / Wholesale
  • Toys
  • Variety and $.99 Stores







SubmissionRequirementsOrange

Submission Requirements


  • ACORD Application, fully completed and signed
  • Supplemental Application
  • If a New Business, Provide Ownership Experience and Business Operational Summary
  • Existing Business, Provide 3-5 Years of Loss Runs
  • Send submissions to quotes@ospreyuw.com