Admitted Business Owner’s Policies (BOPs)

Admitted Business Owner's PoliciesWhat is a Business Owner’s Policy?

Business Owner’s Policies, also known as BOPs, are a commercial insurance product designed to provide liability and property protection for your business. Property coverage can include coverage for the building and/or business personal property. Business income can also be offered, should your client’s business suffer from a covered loss and is inoperable for a period of time.

BOPs can bundle various insurance coverages and can be customized to fit the unique needs of the insured’s industry. For example, if your insured owns a restaurant, spoilage and liquor liability can be added to the policy to properly insure your client from potential losses.

The Orchid Difference

  • Admitted Paper
  • A.M. Best A Rated Carrier
  • Available in 45 states*
  • Inland and coastal capacity
  • Flat wind deductibles in many areas
  • Excess Liability offered on all eligible BOPs
  • Liquor Liability** offered on restaurant exposures

*Not available in AK, CT, HI, MA and WA.
**Not available in Washington, DC and Vermont.

Optional Coverages

  • Excess Liability
  • Equipment Breakdown
  • Ordinance or Law
  • Additional Debris Removal
  • Employee Benefits Liability
  • Employee Related Practices Liability
  • Data Response & Cyber Liability

Target Classes

  • Restaurants
  • Offices
  • Contractors
  • Lessor’s Risk
  • Mercantile
  • Retail

Submitting your risk to Orchid has never been easier

Simply e-mail your commercial submissions (ACORD’S, SOV’s, Supplementals, Loss Runs, etc.) to commercialsubmissions@orchidinsurance.comcommercialsubmissions@

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