Commercial Lines

Providing peace of mind to business owners.

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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.

Condo & Townhome Associations

Offering multiple A.M Best A- or Better Rated carriers for select states

Offices, Retail & Merchantile

Make sure your insured’s store or office is protected appropriately.

Homeowner’s Associations

Comprehensive property and liability policy that addresses the unique coverage requirements of single family Homeowner’s Associations.

Lessor’s Risk

Protects owners of rental property from lawsuits and damages. Real estate owners are protected from legal action by lessees or clients of a lessee.

Mobile Home & RV Communities

Product for medium to large communities with professional management, as it provides both property and liability.

Self-Storage Facilities

Provide an option for individuals who don’t need access to certain items on an everyday basis but still want to keep those items protected.

Hotel & Motel

Covers your insured’s boutique beachside motels to their large, multi-story resorts, all with no restrictions on distance to coast for wind coverage.

Habitational

Orchid offers several solutions for your Residential Condominiums, Single Family Residential HOA’s, Townhome Associations and Apartments.

Monoline Property Policies

Orchid provides Monoline Property Policies for over 400 eligible classes. Our commercial risk specialty lies in coastal markets.

Condo & Townhome Associations

Offering multiple A.M Best A- or Better Rated carriers for select states

Manufacturers

Coverage for a broad array of manufacturers, covering everything from their building, to their stock/inventory/contents, to loss of business income.

Pharmacies

Coverage on Pharmacies to protect your insured in the event of a loss. Including spoilage loss due to breakdown, contamination, or a power outage.

Warehouses

We can cover the warehouse itself, the insured’s stock/inventory/contents, as well as loss of business income.

Hotel & Motel

Covers your insured’s boutique beachside motels to their large, multi-story resorts, all with no restrictions on distance to coast for wind coverage.

Fitness Centers

Coverage for your insured’s yoga studios, martial arts studios, health clubs, and many other types of fitness centers.

Churches

Fire, hail, wind storms and much more pose a threat to your client’s place of worship, but Orchid can protect your insured from these potential losses.

Lessor’s Risk

Protects owners of rental property from lawsuits and damages. Real estate owners are protected from legal action by lessees or clients of a lessee.

Wind Only Policies

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.

Additional Commercial Products

Orchid has a vast array of commercial product offerings outside of our exclusive programs, allowing Orchid to provide your client a total solution across all lines of products. These products are available for inland as well as coastal risks, across all 50 states.

  • Small Package
  • Monoline Property
  • Inland Marine
  • General Liability
  • Umbrella/Excess Liability
  • Professional Liability
  • Primary Flood
  • Special Events

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
  • 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
  • Employee Dishonesty
  • Outdoor Sign
  • Employee Tools

Commercial Lines Footprint

Get Appointed

As an Orchid-appointed partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid online quoting is your quickest and most convenient resource for paperless quoting and binding.