Auto insurance
Liability, comprehensive and collision on one policy, with uninsured motorist written to match your bodily injury limits.
- BI / PD limits
- 100/300/50
- Comp / coll deduct.
- $500 / $500
- UM / UIM
- 100/300
$1,284 / yrSample. Not a quote.
A business owner policy for shops, practices and contractors
A BOP packages general liability, your equipment and stock, and the income you lose while the doors are shut, on one form with one renewal date.
$1,940 / yrSample. Not a quote.
Machine shop, 4,200 sq ft leased, $310,000 BPP, $1M/$2M general liability.
What the policy pays for
A business owner policy bundles general liability, your equipment and stock, and the income you lose while the doors are shut. It is written for operations that fit inside eligibility guidelines, which is most shops, practices and contractors under a hundred employees.
- General liability$1M per occurrence, $2M aggregate
- Bodily injury and property damage to third parties arising from your premises, operations or completed work.
- Business personal propertyReplacement cost
- Equipment, stock, fixtures and tenant improvements, valued at what replacing them actually costs.
- Business income and extra expense12 months actual loss sustained
- The profit you would have earned and the continuing payroll and rent, for as long as the covered interruption lasts.
- Equipment breakdownIncluded
- Mechanical and electrical failure of compressors, boilers, refrigeration and production equipment, plus the spoiled stock.
- Employment practices liabilityOptional, $100K to $1M
- Wrongful termination, discrimination and harassment claims brought by employees, including defence.
- Cyber and data breachOptional, $50K to $1M
- Notification costs, forensics, credit monitoring and the liability arising from a breach of customer records.
What we can write on a BOP
A business owner policy is a packaged form with eligibility guidelines. If your operation sits outside them the answer is not no, it is a commercial package policy instead, which we also write. These are the classes that fit the packaged form.
Retail and wholesale
Under 25,000 sq ft
Shops, showrooms, hardware, feed and supply, specialty food retail.
Offices and practices
Under 100 staff
Dental, optometry, accounting, agency, design, therapy and veterinary practices.
Light manufacturing
Under 15,000 sq ft
Machine shops, fabrication, print, joinery and small assembly operations.
Contractors
Under $3M receipts
Trades working from a shop or yard, with tools and materials on site and in transit.
Restaurants and food
Under 60 seats
Quick service, cafes and bakeries, with equipment breakdown and spoilage included.
Habitational
Under 60 units
Apartment buildings and small mixed use portfolios under single ownership.
What it will not pay for
Every policy sold in the United States has exclusions. The difference between carriers is whether you find out now or on the day of the loss. These are the ones that actually catch people out on this form.
- Professional liability and errors or omissions, which need a separate professional policy.
- Workers compensation, which is a statutory line written on its own policy in every state.
- Commercial auto, including any vehicle titled to the business.
- Flood and earth movement, both written separately.
- Pollution and contamination other than a limited hostile fire allowance.
Endorsements worth attaching
An endorsement changes the policy. These are the ones we recommend often enough that they are priced into the bundle tiers rather than sold as extras.
Hired and non-owned auto
$1M
Liability when an employee uses their own vehicle on company business.
Additional insured
Per certificate
Landlords and general contractors added by written contract, issued the same day.
Spoilage
$25,000
Perishable stock lost to a covered equipment failure or power interruption.
Sign coverage
$10,000
Exterior signs, which most base forms sublimit to a figure that will not replace one.
Lines that belong on the same account
Price the whole structure, not one piece of it.
Four steps, about sixty seconds, and no obligation. An agent reviews every line together so the limits actually meet.