See the Orchid Difference in Commercial Lines P&C
Orchid has exclusive coastal programs that provide complete underwriting authority and pricing capabilities. We provide proprietary policies with multiple carriers on over 400 classes of business, and offer distinct features such as multiple deductible options and no restrictions on distance to coast.
Orchid Commercial Products
Business Owner Policies (BOP)
Benefit from Orchid Insurance’s Business Owner Policies to save your insureds from purchasing separate general liability and property insurance policies for their small and medium-sized businesses.
Monoline Property Policies
Orchid provides Monoline Property Policies for over 400 eligible classes. Our commercial risk specialty lies in coastal markets.
- Churches
- Manufacturers
- Pharmacies
- Warehouses
- Machine Shops
- Fitness Centers
- Motels
- Car Washes
- Auto Repair
- Distributors
- Schools
- Lessor’s Risk
Wind Only
Wind-Only policies cover the insured against damage from hail and/or windstorms, regardless if the damage is from a hurricane or an everyday storm. Orchid offers policies that specifically cover your client against these perils in the event of a loss. We can even include a limit for spoilage, wind driven rain, equipment breakdown, and outdoor property!
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
- Business Income
- Lock/Key Replacement
- Tenant’s Glass
- Employee Dishonesty
- Outdoor Sign
- Employee Tools
- Utility Services – Direct Damage
- Utility Services – Time Element
- Fire Department Service Charge
- Spoilage Coverage
- Fine Arts
- Tenant Move Back Expenses
- Water Back Up/Sump Overflow
Special Products
Mobile Home Parks / RV Communities
Directors & Officers Liability
NEW! Specialty Perils
Wind/Hail Deductible Buyback, Private Primary Flood and Excess Flood
Additional Commercial Products
About Orchid
Orchid Insurance is an MGU who thrives in the coastal niche with proprietary programs, and has expanded to include over 20 markets for commercial lines for all 50 states. Let Orchid be your First Choice and experience the difference of true MGU underwriting.
Orchid also provides Personal Lines and Specialty High Net Worth products.
Partner with Orchid
or Get Appointed today!
