Commercial Lines Exclusive Programs

For coastal risks from Texas to Massachusetts

Exclusive Commercial Lines Programs

Orchid’s exclusive coastal programs provide complete underwriting authority and pricing capabilities for select states, counties and townships along the United States East Coast and in the Gulf.

Our proprietary policies offer distinct features such as multiple deductible options and no restrictions on distance to coast with multiple carriers available on over 400 classes of business.

Our Exclusive Commercial Products

Business Owner Policies

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

Monoline Property Policies

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

Lessor’s Risk

Protects owners of rental property from lawsuits and damages. Includes Wind coverage without any restriction on distance to coast.


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!

Mobile Home/ RV Communities

For resident-owned communities and land leased communities of mobile homes and RV.


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.