Our goal is to provide your small and medium size business owners with peace of mind.

Orchid wants to be the First Choice of commercial insurance for small and medium size business owners in every coastal market. Our unique Business Owner Policies (BOP), Commercial Package Policies (CPP), and Monoline Property Policies offer exclusive features like no distance-to­-coast restrictions for wind coverage. Try us today, and let Orchid be your First Choice for your commercial needs.

Business Owner Policies (BOP) risk groups

Offices
Retail
Mercantile
Habitational
Lessor Risk
Restaurants
Self-Storage
Hotel
  • Offices
  • Retail
  • Mercantile
  • Habitational
  • Lessor Risk
  • Restaurants
  • Self-Storage
  • Hotel

Monoline Property Policies includes over 400 eligible classes

Churches
Manufacturers
Pharmacies
Warehouses
All Restaurants
Fitness Centers
Motels
Car Washes
Auto Repair
Distributors
Schools
Machine Shops
  • Churches
  • Manufacturers
  • Pharmacies
  • Warehouses
  • All Restaurants
  • Fitness Centers
  • Motels
  • Car Washes
  • Auto Repair
  • Distributors
  • Schools
  • Machine Shops

Commercial Package Polices (CPP)

Condo Associations
  • Condo Associations

Orchid Premier Endorsement

The Orchid Premier Endorsement enhances certain coverages and adds additional coverages not otherwise included in the base form. This endorsement is tailored to each class of business and is attached to every policy.

  • Debris Removal
  • Outdoor Property
  • Bl from Dependent Properties Lock/Key Replacement
  • Utility Services – Direct Damage
  • Employee Dishonesty
  • Outdoor Sign
  • Employee Tools
  • Tenant’s Glass
  • Utility Services – Time Element
  • Fire Department Service Charge
  • Spoilage Coverage
  • Fine Arts
  • Tenant Move Back Expenses
  • Water Back up/ Sump Overflow

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