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What is a Business Owner's Policy?
A Business Owner's Policy (BOP) is a comprehensive insurance package designed specifically for small businesses. It combines two essential coverages, general liability and property insurance, into a single policy so small business owners can protect their business property and assets while also having coverage for third-party claims. Liability and property coverage are typically mandatory for many small business classes.
Cost Savings: By bundling general liability and property policies, BOP insurance offers substantial cost savings compared to purchasing each policy individually. This smart consolidation enables small business owners to access comprehensive coverage while keeping expenses in check.
Streamlined Experience: BOP insurance simplifies the purchasing experience for small business owners with its standardized package. By consolidating multiple coverages into a single policy, small business owners can efficiently manage only one insurance policy instead of several, freeing up resources to focus on critical aspects of their business.
Customizable Packages: BOP is a package built for small businesses. In addition to general liability and property coverage, Authentic provides optional add-ons such as workers' compensation insurance, professional liability coverage, and franchise coverage. This flexibility ensures that your policy is precisely aligned with your business's unique demands.
A BOP policy from Authentic serves as the Swiss army knife of small business insurance, providing a wide range of coverage options tailored to your specific needs. Depending on your selected policy, an Authentic BOP policy offers coverage for property damages, injuries on your premises, court and legal fees, business income interruptions, advertising mistakes, employee misrepresentation, inventory replacement, and more.
To learn more about our policies please see exclusions and endorsements
| ✅ We underwrite | ❌ We don't underwrite |
|---|---|
Food & Beverage Restaurants
Construction & Artisan Contractors
Fitness studios
Trucking
Salon & Spa
Lawn care & Tree Services
Professional services
Bars & Clubs
Funeral Homes
Sports Teams & Camps
Pet Services
Security Services
Retail & E-Commerce
Moving Companies
Become a captive expert in 5 minutes
Captive insurance is a type of insurance where a business provides coverage to itself. Authentic uses this model to enable vertical software platforms, business roll-ups, associations, and other communities to create their own insurance programs and capture underwriting profits.
In the last decade, captive structures have emerged as a powerful alternative to standard business insurance. Whereas a majority of companies previously relied on external insurers, a captive structure allows them to own their own insurance program. The benefits? Captives not only help you save on insurance, but it allows you to gain from it, your business also can provide customized coverage, improve cash flows, and take potential tax advantages.
Exclusions are risk we do not cover. Please navigate below to see which applies to your policy.
| Form Name | Description | Class |
|---|---|---|
Welcome to Authentic, below you can learn more about us.
Authentic differentiates itself with a distinctive economic model. Traditional insurance companies generate profit by collecting premiums exceeding claims and expenses; Authentic empowers partners to take ownership of their insurance programs and receive both commission and underwriting profit.
Our goal is to offer our partners more meaningful incentives and flexibility in managing and benefiting from their insurance programs. This approach aligns the interests of Authentic and our partners as both parties are impacted by the success of the program.
Authentic is a licensed insurance agency that sells its proprietary admitted insurance products through Everspan Insurance Company (an A- rated AM Best insurance carrier). Authentic also reinsures its policies through both Everspan Insurance Company and Greenlight Reinsurance.
Authentic operates as a managing general agency and a captive reinsurance company. As a managing general agency, we have the authority to underwrite policies and manage the insurance program on behalf of our partners' captive program. To learn more about Captives, click here.
Authentic offers Business Owners Policy (General Liability & Business Personal Property) through the captive infrastructure and a Workers Compensation product through a partner (fees / commission only). To see a full explanation of our product offering see below:
Commercial insurance is vital for SMBs and offers critical protection which can often be the difference between staying in business and being forced to shut down. Here are a few themes that highlight the importance of P&C coverage for small businesses:
Prior Sold Products
Excludes coverage for any product previously sold by the insured before the effective date of the policy
All Classes
Injury to Worker
Excludes coverage for any injury to a worker that is employed by the named insured
All Classes
Activities or Operations Performed by Non-Disclosed Employee
Excludes activities or operations performed by non-disclosed employees
All Classes
Alcoholic beverage health effects
Excludes coverage for any health effects related to consumption of alcoholic beverages
All Classes
Assault and battery
Excludes for any injury, damage or loss resulting from an act of assault or battery
All Classes
Injury to Volunteer Workers
Excludes coverage for bodily injury to volunteers working for the insured
All Classes
Medical Malpractice
Excludes any actual or alleged bodily injury, sickness, disease, or property damage arising out of the rendering of professional medical services or treatment, including any claim for loss of services or loss of support
All Classes
Overspray
Excludes damage resulting from overspray from painting, spraying, etc.
All Classes
Sexually Transmitted Diseases
Excludes coverage for any losses caused by sexually transmitted diseases or illnesses.
All Classes
Total Professional Services
Applies to any liability arising from professional services including but not limited to actuarial, legal, engineering, and accounting services.
Consultant, agency, professional services (actuarial, legal, engineering, accounting)
Additional Insured
Excludes coverage for injury or damage arising out of professional architectural, engineering or surveying services completed by an additional insured on the Business Liability Coverage Form
Professional services (actuarial, legal, engineering, accounting)
Described Hazards Mechanically Operated Amusement Devices
Excludes coverage for amusement devices operated by mechanical means such as pinball machines, video games, pool tables, and jukeboxes
All Classes
Described Hazards Fireworks
Excludes coverage for described hazards such as fireworks
All Classes
Discrimination
Excludes certain individuals or groups from the services of a business due to their race, color, religion, sex, national origin, disability, or age
All Classes
Professional Services
Services provided by professionals such as actuaries, lawyers, engineers and accountants
Consultant, agency, professional services (actuarial, legal, engineering, accounting)
Absolute Lead Exclusion
Exposure from lead paint may be deleted with the attachment of this form. This optional form is available to all classes
All Classes
Artificial Tanning
Excludes coverage for all tanning services.
All Classes
Tobacco Or Nicotine Products
Excludes coverage for all damages arising out of the defined tobacco or nicotine product
All Classes
Chapter or Club Activities
Excludes coverage for activities of any member, affiliate or associated chapter, club or similar entity
All Classes
Field Trips or Excursions
Excludes coverage for bodily injury sustained by any person while on any field trip or excursion
School
Inhalation Devices
Precludes coverage for injury arising from the use inhalation devices
All Classes
Foreign Products
Excludes coverage for injury or damage that occurs outside of the coverage territory if the injury/damage arises from products that are made or sold in the coverage territory
All Classes
Playground Facility
Excludes coverage for any playground facility
All Classes
Products - Completed Operations Hazard
Removes coverage for products and completed operations when attached
All Classes
Designated Operations
Excludes coverage for the operations designated in the Declarations
All Classes
Patient Injury
Excludes coverage for injury to any person while they are the patient of an insured or at an insured‚ premises for the purpose of receiving health care or other related services
All Classes
Snow or Ice Removal Operations
Excludes coverage for liability arising out of snow or ice removal operations
All Classes
Transporting And Towing Liability
Excludes coverage for injury or damage which arises out of the transporting or towing of any vehicle
Car dealership
Project Apparatus
Excludes coverage for injury or damages caused by the use of any project apparatus
All Classes
Financial Institutions Construction Loans Or Finance
Excludes coverage for injury or damage arising out of any building in which the insured holds a security interest because of loans made in connection with its construction, or the financing of its construction
All Classes
Electromagnetic Hazard
Excludes coverage for injury or damage arising out of radiation or electromagnetic sources
All Classes
Designated Activities
Excludes coverage for injury or damage arising from the activities outlined in the endorsement
All Classes
Limited Exclusion - Electromagnetic Hazard
Excludes coverage for injury or damage arising out of the actual or alleged properties of radiation or energy from electromagnetic sources
All Classes
Special Events
Excludes coverage for specific special events as defined in the endorsement
Art Dealers or Galleries, Museums, Libraries, Associations, Clubs
Aircraft Products Liability
Excludes coverage for injury or damage arising from aircraft products liability
All Classes
Lawyers Professional Liability
Excludes coverage for injury or damage arising from professional legal services
Professional services (actuarial, legal, engineering, accounting)
Medical Expenses
Removes coverage for Medical Expenses from the Business Liability Coverage Form
All Classes
Association Chapter Or Club Activities
Excludes coverage for bodily injury or property damage arising out of the ownership, maintenance, or use of any auto owned, leased, hired, rented, borrowed, or operated by or used in the business of any chapter, club or similar entity affiliated or associated with the named insured under any chapter, license, franchise or similar arrangement
All Classes
Real Estate Development And Real Estate Management Activities
Excludes coverage for real estate development and management activities and is mandatory for certain Real Estate classes and optional for all other classes.
Real Estate
Equipment Leasing And Sale
Excludes coverage arising out of the lease, rental or sale of equipment or property, other than real property, to others
All Classes
Consulting Services Errors and Omissions
Excludes coverage for consulting and design services errors and omissions.
Consultant, agency, professional services (actuarial, legal, engineering, accounting), manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Software Programmers - Products And Errors And Omissions
Excludes coverage for all programming services including products and errors and omissions
All Classes
Construction Activities
Excludes coverage for injury or damage arising out of structural alterations, the moving of buildings or other structures, new construction or demolition operations
All Classes
Entities Receiving Venture Capital Services
Excludes coverage for injury or damage arising out of individuals or entities receiving venture capital services from the insured
All Classes
Limited Exclusion - Professional Services - Home Inspectors
Excludes coverage for injury or damage resulting from the professional services of a home inspector
Professional services (actuarial, legal, engineering, accounting), home inspector
Property Damage To Electronic Data Computer Software Manufacturer
Excludes damage to electronic data arising out of computer software programs developed and manufactured by the insured
Manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Web Site Related Personal And Advertising Injury
Excludes coverage for personal and advertising injury arising out of the insured
All Classes
Restriction of Coverage
Excludes coverage for injury or damage for products, clinical trials, health care services and professional liability
All Classes
Wood Preservatives Containing Arsenic
Excludes coverage for injury or damage arising out of the wood preservative hazard
All Classes
Welding Hazard
Excludes coverage for injury or damage arising out of or related to welding materials
All Classes
Hazards Insured Elsewhere
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement
All Classes
Personal and Advertising Injury Exclusion - Copyright Material
Excludes personal and advertising injury for the infringement of copyright, slogan, or title of any literary or artistic work in the insured‚ advertisement
All Classes
New Construction Multiple Unit and Tract Housing
The form excludes coverage for bodily injury, property damage and/or personal and advertising injury arising out of the insured‚ work on multiple unit housing, tract housing or the conversion of existing apartments into condominiums or cooperatives
Manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Mortgage Foreclosure
Excludes coverage arising out of the ownership, maintenance or use of real property acquired by foreclosure.
All Classes
Dispensing And Distributing
Excludes coverage for injury or damage arising out of the dispensing and distributing of pharmaceutical drugs, vaccinations, or immunizations
Drug Store
Coverage For Special Events - Alcohol Distributors
Excludes coverage for specific special events as defined by the form
Distributor, broker
Subsidence And Other Soil Movements
Excludes coverage for loss resulting from soil movements including landslide and earthquake as defined by the form
All Classes
Continuous or Progressive Injury and Damage
Excludes coverage for bodily injury or property damage that first commenced before the policy period regardless if it continues during the policy period
All Classes
Perfluoroalkyl and Polyfluoroalkyl Substances
Excludes bodily injury, property damage, and personal and advertising injury related exposures associated to Perfluoroalkyl and Polyfluoroalkyl Substances
All Classes
Setting of Standards, Warnings, Licenses or Certification
Excludes coverage for injury or damage arising out of the setting of standards, warnings, licenses or certification of a particular product, procedure, method service or process
All Classes
Trampoline And Gymnastic Rebounding Devices
Excludes coverage for injury arising out of the ownership, maintenance, operation or use of any trampoline or gymnastic rebounding device
All Classes
Hazards Insured Elsewhere
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the form
All Classes
Nuclear Energy Liability
Excludes liability coverage for injury or damage resulting from nuclear material. This form is mandatory for all classes
All Classes
Programming Services
Excludes coverage for injury or damage arising out of the insured
Consultant, agency, professional services (actuarial, legal, engineering, accounting), manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Hazards Insured Elsewhere
Excludes injury or damage arising out of a specific location and/or specific operation shown in the Declarations
All Classes
Designated Operations Covered By A Consolidated Wrap-Up Insurance Program
Excludes coverage for the operations of the insured at specific job sites if those sites are insured by the prime contractor/project manager or owner of the construction project in a Wrap-Up program
All Classes
Absolute Pollution Exclusion - Exception For Hostile Fire
Deletes specific provisions from the pollution exclusion as it appears on the Business Liability Coverage Form with the exception of hostile fire
All Classes
Personal and Advertising Injury
Excludes coverage for personal and advertising injury with the exception of the following offenses: false arrest, malicious prosecution, wrongful entry, wrongful eviction and invasion of the right of private occupancy
All Classes
Construction Activities - Engineers, Architects or Surveyors
Excludes coverage for injury or damage arising out of construction activities, and construction management and supervision services performed by the insured
All Classes
Fungi, Bacteria And Viruses
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses, with an exception for bodily injury or property damage caused by ingestion of food
All Classes
Fungi Bacteria Viruses Limited
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses, with an exception for bodily injury or property damage caused by ingestion of food and for bodily injury
All Classes
Contractor, Errors & Omissions
Coverage for negligent acts, errors, or omissions arising out of the performance of contracted services
All Classes
Excess Provision
Excludes coverage for any loss in excess of the applicable limit of liability
All Classes
Limitation of Coverage for Vacant Land
Excludes coverage for injury or damage arising out of vacant land, real estate development property or hunting preserves
All Classes
Limitation of Coverage - Travel Agents
Excludes coverage for errors and omission in the conduct of a business as a travel agent
Agency
Limitation of Coverage Personal and Advertising Injury - Financial Services
Modifies the definition of personal and advertising injury to exclude offenses arising out of or in any way related to, mortgage, lien, mortgage servicing or lien servicing operations conducted by or on behalf of the insured
Broker, professional services, agency, consultant, franchise business, association, distributor, car dealership, school
Limitation of Coverage to Business Description
Limits coverage to only those businesses specified in the class list
All Classes
Designated Operations Limitation
Limits the operations of the insured business to only those designated in the policy
All Classes
Hazards Insured Elsewhere - Educator's Legal Liability Coverage Form
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement
School
Fungi Bacteria Viruses - Educator's Legal Liability
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses
School
Silica
Excludes coverage for injury or damage arising out of silica
School
Wood Preservatives Containing Arsenic - Educators Legal Liability
Excludes coverage for injury or damage arising out of the wood preservative hazard
School
Welding Hazard - Educator's Legal Liability
Excludes coverage for injury or damage arising out of or related to welding materials
School
Absolute Lead Exclusion
Excludes coverage for injury or damage arising out of the lead hazard
Retail store, clothing store, fitness facility, day spa, barber shop & beauty salon, consultant, agency, professional services, manufacturer, printing & publishing company, franchise business, association, distributor, broker, car dealership, school
Wood Preservatives Containing Arsenic
Excludes coverage for injury or damage arising out of the wood preservative hazard
Manufacturer, printing and publishing company, art studio, franchise business, association ,distributor, broker, car dealership, school
Welding Hazard
Excludes coverage for injury or damage arising out of or related to welding materials
Manufacturer
Hazards Insured Elsewhere - Owners and Contractors Protective Liability Coverage Form
Excludes coverage for injury or damage for which insurance is provided under any policy shown in the schedule in the endorsement
All Classes
Fungi Bacteria Viruses
Excludes coverage for injury or damage arising out of exposure to fungi, bacteria and viruses
All Classes
Business Personal Property Exclusion - Collection
Excludes specific types of Business Personal Property which are part of a collection, exhibition, or display of a cultural institution
49010, 49041, 49101, 49141
Medical Diagnostic Equipment
Excludes coverage for Medical Diagnostic Equipment as defined within the form
Veterinarian - Equine Only, Veterinarian - Predominately Large Animals, Veterinarian - Predominately Small Animals, Veterinarian - Predominately Small Animals Only, Medical Office - Other, Medical Diagnostic Centers, Laser Eye Surgery Center, Ambulatory Surgery Centers, Dialysis Centers, Dental Laboratory
Cosmetic Damage to Metal Roof Surfacing
Excludes coverage for cosmetic damage caused by windstorm or hail when building coverage is included on the policy
All Classes
EX 00 00
Excludes coverage for certain perils described in the form. This form is mandatory for all classes when Special Property Coverage Form, SP 00 00, is on the policy
All Classes
Amendment of Property Coverage for Financial Services
Coverage for certain types of property owned by the financial services market group
Financial services
Athletic or Sports Participants
Excludes payments made to athletic or sports participants
All classes
Unmanned Aircraft
Excludes unmanned aircraft operations, such as drones for commercial purposes
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Designated Professional Services
Excludes coverage for the rendering or failure to render designated professional services that are described in the Declarations
All Classes
Communicable Disease
Excludes bodily injury, property damage, or personal and advertising injury arising out of the actual or alleged transmission of a communicable disease
All Classes
Designated Products
Excludes coverage for products and completed operations arising out of the designated products shown in the Declarations
All Classes
Designated Wrok
Excludes coverage for products and completed operations arising out of the designated work shown in the Declarations
All Classes
Personal and Advertising Injury
Removes coverage for personal and advertising injury from the Business Liability Coverage Form
All Classes
Inter-company Products Suit
Excludes coverage for claims brought by one Named Insured against another Named Insured
All Classes
Explosion, Collapse, and Underground Property Damage Hazard (Specific Operations)
Excludes coverage for damages arising out of collapse, blasting and explosion hazards
All Classes
Limitation of Coverage to Designated Premises, Project or Operation
Excludes coverage for injury or damage to a designated premises or designated project shown in the Declarations
All Classes
Financial Services
Excludes coverage for injury of damage resulting from the rendering of or failure to render various financial services
Consultant, agency, professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Counseling Services
Excludes coverage for counseling services with respect to issues such as mental health, crisis prevention, social services or drug and alcohol rehabilitation
All Classes
Professional Veterinarian Services
Excludes coverage for injury or damage arising out of the treatment of animals
Veterinarian, pet training services
Diagnostic Testing Laboratories
Excludes coverage for medical or diagnostic testing or procedures
All Classes
Volunteer Workers as Insureds
Removes volunteer workers as insureds from the Business Liability Coverage Form
All Classes
Exterior Insulation & Finish Systems
Excludes coverage for injury or damage arising out of the use of exterior insulation and finish systems or water-managed exterior insulation and finished systems
All Classes
Silica or Silica-Related Dust
Excludes coverage for injury or damage arising out of silica
All Classes
Inspection, Appraisal, and Survey Companies
Excludes coverage for errors and omissions from inspections, appraisals and survey services
All Classes
Corporal Punishment
Removes coverage for injury to the students of the insured arising out of any corporal punishment administered by or at the direction of any insured
All Classes
Testing or Consulting Errors and Omissions
Excludes coverage for consulting errors and omissions or computer software development and is mandatory for certain consulting classes and optional for all other classes
Consultant, professional services
Construction Management Errors and Omissions
Excludes coverage for the rendering or failure to render professional services related to construction management
Professional services
Fiduciary or Representative Liability of Financial Institutions
Excludes coverage for damages arising out of the ownership, maintenance, or use of property for which the insured is acting in a fiduciary or representative capacity
All Classes
Camps or Campgrounds
Excludes coverage for injury or damages caused by the rendering of or failure to render medical services by the Insured operating or owning a camp or campground with an infirmary
All Classes
Medical Payments to Children in Day Care
Excludes medical expenses coverage for children enrolled in day care
All Classes
Housing Project Sites
Excludes coverage for damages arising out of the ownership of a building on the site of a proposed housing project at the time the property was acquired by a housing authority
All Classes
Existence or Maintenance of Streets, Roads, Highways, or Bridges
Excludes coverage for damages arising out of the existence or maintenance of streets, roads, highways, or bridges
All Classes
Engineers, Architects, or Surveyors Professional Liability
Excludes coverage for injury or damage arising out of or the failure to render any professional services by an engineering, architectural or surveying firm
Architect, Engineer, Land Surveyor
Specified Therapeutic or Cosmetic Services
Excludes coverage for injury or damage with respect to any operation shown in the Declarations, arising out of the rendering or failure to render any service, treatment, advice or instruction for the purpose of appearance, skin enhancement, hair removal, replacement, personal grooming, or therapy
All Classes
Insurance and Related Operations
Excludes coverage for professional liability from the operations of an insurance agency
Agency, professional services
Medical Payments Coverage - Inmates, Patients, or Prisoners
Excludes coverage for injury to any inmate, patient or prisoner treated at any of the facilities shown in the schedule on the form
All Classes
Corporal Punishment
The intentional infliction of physical pain as a form of punishment
School
Real Estate Property Managed
Excludes coverage for damage arising out of property in which the insured operates, manages, or acts as an agent for the collection of rents or any other supervisory capacity
All Classes
Professional Liability
Excludes coverage for the rendering or failure to render any service in connection with the insured's computer software
All Classes
Professional Liability Exclusion - Computer Data Processing
Excludes coverage for injury or damage arising out of any act, error or omission with respect to data processing services
All Classes
Professional Liability
Excludes coverage for personal and advertising injury arising out of the insured's computer data processing operations, with the exception of the following offenses: false arrest, malicious prosecution, wrongful entry, wrongful eviction and invasion of the right of private occupancy
All Classes
Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate - Seed Merchants
Excludes coverage for damage arising out of the failure to deliver seed, the delivery of the wrong seed or the delivery of the seed at the wrong time as well as the failure of the seed to germinate
All Classes
Adult Day Care Centers
Excludes coverage for injury or damage arising out of the rendering or failure to render any medical related services
All Classes
Telecommunication Equipment or Service Providers Errors and Omissions
Excludes coverage for injury or damage out of the insured's involvement in telecommunications-type services
All Classes
Damage to Work Performed by Subcontractors on Your Behalf
Amends the definition of Occurrence in the Business Liability Coverage Form to include damage resulting form the insured's work performed by a subcontractor
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Damage to Work Performed by Subcontractors
Excludes damage to work performed by subcontractors on your behalf at designated sites or operations
All Classes
Exterior Insulation & Finish Systems
Excludes coverage for injury or damage arising out of the use of exterior insulation and finish systems or water-managed exterior insulation and finish systems
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Silica or Silica-Related Dust
Excludes coverage for injury or damage arising out of silica
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Employees and Volunteer Workers as Insureds
Removes coverage under the "Who is an Insured" section of the Business Liability Coverage Form for employees and volunteers
All Classes
Athletic or Sports Participants - All Contests or Exhibitions
Removes coverage for bodily injury to any person while practicing for or participating in any class, athletic, or sports related activity
All Classes
Hired Auto Liability
Excludes liability for hired autos (vehicles rented, leased, or loaned to the insured) owned by or leased to the insured
All Classes
Cannabis Exclusion with Hemp Exception
Excludes bodily injury, property damage and personal advertising injury related exposures associated with the defined term cannabis, including exceptions for hemp
All Classes
Cannabis Exclusion with Hemp and Lessors Risk Exceptions
Excludes bodily injury, property damage and personal and advertising injury related exposures associated with the defined term cannabis, including exceptions for hemp and Lessors Risk
All Classes
Sexual Abuse or Sexual Molestation
Excludes coverage for sexual abuse or molestation
All Classes
Theft
Excludes loss or damage due to theft
All Classes
Windstorm or Hail
Excludes loss or damage due to windstorm or hail
All Classes
Cannabis
Excludes applicants from providing any services realted to the cannabis industry
All Classes
Risk Management
Commercial insurance mitigates risks, providing financial protection and peace of mind for small businesses.
Financial Stability
It safeguards against major financial impact from lawsuits, property damage, or liability claims, maintaining stability.
Business Continuity
Commercial insurance, including business interruption coverage, enables quick recovery and minimizes losses during disruptions.
Legal Compliance
It ensures adherence to legal requirements, enhancing reputation and credibility with customers and stakeholders.
Customer Confidence
Commercial insurance demonstrates responsible practices, building trust and confidence in the business.
Business Growth
Having coverage opens doors to new opportunities, expanding customer base and securing partnerships. Insurance requirements are often compulsory in partnership agreements for SMBs
Financial Security
Commercial insurance offers a safety net that protects SMBs from significant financial losses. Transferring risk to an insurance provider, allows SMBs to focus on innovation and growth.
Compliance and Peace of Mind
Many states and industries have specific insurance requirements. By obtaining the necessary coverage, SMBs ensure compliance with legal obligations, avoiding penalties and potential lawsuits.
Enhanced Reputation
Having commercial insurance coverage enhances an SMB's reputation and credibility. It demonstrates commitment to professionalism and responsibility, assuring clients, partners, and stakeholders that they are equipped to handle unexpected events.
Focus on Success
Commercial insurance gives owners and operators the freedom to focus on what matters most: core operations and driving their venture forward.
Endorsements are additional coverage options to a policy. Please navigate below to see which applies to your policy.
| Form Name | Description | Class |
|---|---|---|
Blanket Additional Insured By Contract
Broadens the "Who Is An Insured" section of the Business Liability Coverage
All Classes
Flexible Blanket Additional Insured
Provides coverage for certain persons or organizations as additional insureds when agreed to in written contract, agreement or permit from an agency, subdivision or political subdivision
All Classes
Absolute Pollution Exclusion
Modifies the language in the pollution exclusion found in the Business Liability Coverage Form to further restrict the exceptions for premises pollution liability.
All Classes
Pollution Exclusion Limited Exception
Provides a limited exception to the pollution exclusion for all classes
All Classes
Expanded Damage to Rented Premises
Covers physical damage to rented premises in excess of the limits provided in the underlying policy
All Classes
Nutritional and Dietary Supplements Coverage
Covers nutritional and dietary supplements for approved medical conditions
All Classes
Vehicle Services Coverage
Coverage for vehicles used in the insured's business operations
Car dealership, school
Contracted Work Coverage
Coverage for claims arising out of work performed on behalf of the insured by independent contractors
All Classes
Lost Key Coverage
Coverage for lost keys
All Classes
Cleaning Enhancement
Coverage for property damage caused by the insured's employees or contractors while providing custodial cleaning services to the insured
All Classes
Contractor Subcontractor Insurance Requirements
Adds additional insurance requirements for contracts and subcontractors of the insured
Professional services, manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Incidental Medical Malpractice
Coverage for medical malpractice that is incidental to the services provided by the insured
Professional services, school
Watercraft Liability
Coverage for water-crafts 26 feet or less in size
All Classes
Valet Parking Coverage
Coverage for damages the the insured is legally obligated to pay due to bodily injury or property damage arising out of the parking of a non-owned automobile in connection with the insured's business
All Classes
Faulty Work & Defective Products Coverage - Auto Services
Coverage for damages to the insured's work or the insured's product arising out of the garage of operations
Car dealership, school
Technology Services Extension
Modifies the professional services exclusion in the business liability coverage form to provide coverage for injury and damage arising out of the insured's technology services
All Classes
Technology Services Extension Plus
Modifies the professional services exclusion in the business liability coverage form to provide coverage for injury, damage and personal advertising injury arising out of the insured's technology services
Consultant, agency, professional services, manufacturer, printing & publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Garage Operations Liability
Coverage for operations, maintenance, or use of any customer's auto in the course of garage operations within the Auto Services Market Group
Car dealership
Water Legal Liability
Expands the "damage to premises rented to you limit" of the business liability coverage form
All Classes
Tenants Legal Liability Coverage
Broadens the traditional fire legal coverage to encompass all property damage to premises rented to the insured or temporarily occupied by the insured
All Classes
Electronic Media Liability
Coverage for several forms of internet-related personal and advertising injury
All Classes
Hired Auto and Non-Owned Auto Liability
Coverage for damages due to injury or damage arising out of the use, loading, or unloading of a hired or non-owned automobile in connection with the insured's business
All Classes
Limited Care, Custody or Control Property Damage Coverage
Coverage for damage to property which is in the insured's care, custody or control arising out of installation, repair, alteration or other operations conducted away form the insured's premisses and related to insured's business
Janitorial services, manufacturing, professional services
Janitorial Liability Broadening Coverage
Optional form provides limited care, custody, or control coverage and theft coverage for the janitorial services market group
Janitorial services
Product Recall and Replacement Coverage
Coverage reimbursement for expenses associated with a product recall and advertising expenses spent to recall the product due to a covered recall
All Classes
Excess Medical Payments - Children
Provides additional coverage for excess medical payments for participants in an event or activity hosted by the insured
School
Aggregate Limits Per Project
Specifies that the general aggregate on the business liability coverage form applies separately to installation, and is optional for all other classes
Construction, maintenance & installation
Per Location General Aggregate
Modifies the general aggregate limit so that it applies separately to each location owned by or rented to the insured
All Classes
Anti Stacking Provisions
Clarifies that allegations of continuing or progressively deteriorating property damage or bodily injury shall be deemed on a single occurrence
All Classes
Contractor Broadening
Provides contractors with a package of 6 coverage that broaden the coverage provided in the general liability policy
All Classes
Other Insurance Condition
Modifies the "other insurance" condition of the business liability policy to clarify that the insurance provided will be primary or primary and non-contributory when required by written contract or written agreement
All Classes
Product Withdrawal Expense
Provides additional coverage for expenses incurred in the withdrawal of a product from the market due to a recall event
Retail store, franchise business, manufacturer, school
Abuse and Molestation Coverage
Covers losses caused by abuse and molestation claims
All Classes
Pesticide or Herbicide Applicator Coverage - Limited Pollution
Provides limited pollution coverage for landscaping operations meeting all standards of any statute, ordinance, regulation or license requirement of any federal, state, or local government which apply to those operations
All Classes
Professional Cleaning Contractors Coverage
Provides lost key replacement coverage at a limit of $25,000 per occurrence and broadened care, custody and control property damage liability coverage at a limit of insurance included within the business liability limits of insurance
All Classes
Professional Optical Services Coverage
Provides coverage for the rendering or failure to render professional services in connection with optical services
Optical goods store, optical goods distributor, vision center
Veterinarian Professional Liability Coverage
Provides coverage for the professional services of individual veterinarian and veterinary clinics
Animal hospital, veterinarian, veterinarian - equine only, veterinarian - predominately large animals, veterinarian predominately small animals
Hearing Aide Establishment Professional Services Coverage
Provides coverage for the rendering of or failure to render professional hearing aid services
Hearing aid store, hearing aid distributor
Pet Crematory and Cemetery Services Professional Liability Coverage
Coverage for wrongful acts in the course of insured's cemetery or crematory business for deceased domestic pets
All Classes
Funeral Director Professional Services
Coverage for the rendering of or failure to render professional services in connection with the insured's business as a funeral director
Funeral director
Dental Laboratory Professional Liability
Coverage for professional services rendered or no rendered by a dental laboratory
Professional services
Barber Shop and Beauty Professional Service Liability
Coverage for the professional services of a barber shop, beauty salon or nail salon
Barber shops & beauty salons
Barber Shop and Beauty School Professional Service Liability
Coverage for the professional services of barber and beauty schools
School
Pet Groomers Liability
Coverage for the injury or damage to domestic animals due to the rendering of or failure to render professional services in the course of pet grooming or operating a pet boarding facility
Kennels, Pet grooming services, pet shop & supplies, pet grooming services - mobile, veterinarian, animal hospital
Florist Errors and Omissions Liability
Coverage for property damage caused by wrongful acts in providing the services of a florist
Florist shop, florist distributor, nursery & garden shop
Wedding Photographers and Videographers Errors and Omissions Liability
Coverage for bodily injury, property damage, or personal and advertising injury arising out of wrongful acts in the insured's capacity as a wedding photographer and videographer
Professional services, franchise business, agency, consultant, school
Cemetery and Crematory Professional Liability
Coverage for wrongful acts in the course of an insured's cemetery or crematory business
Cemetery - independent for profit, cemetery - associated with a church, crematory
Optometry Professional Liability
Extends coverage for bodily injury or property damage arising out of any optometric incident, as defined within the form
School
Educator's Business Liability Broad Form
Coverage for corporal punishment, expanded additional insured coverage, expanded medical payments coverage and expands the general aggregate limit of the business liability coverage form to apply separately to each campus
School
Printing Services Errors and Omissions Liability
Coverage for negligent acts, errors or omissions committed by or on behalf of the insured in the performance or failure to perform printing services
Electrotyping, engraving, printing and publishing company, printing- screen printing
Correction of Work
Coverage to correct the insured's errors which would otherwise be excluded on SL 51 66 with a $1,500 deductible
Printing and publishing company
Employee Benefits Liability - Occurrence
Coverage for claims resulting form negligent acts or omissions in the administration of the Named Insured's employee benefit programs
All Classes
Prior Acts Coverage - Employee Benefits Liability
Provides Prior Acts coverage for employee benefits liability when the claims made employee benefits liability
Professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Professional Liability Coverage
Coverage for damages and claim expenses arising out of a wrongful act or personal injury relating to professional services on a claims-made basis
All Classes
Amend Definition of Insured Person
Necessary when professional liability coverage form SL 50 45 is on the policy and it allows for the inclusion of independent contractors for the Accounting and Auditing Services class
Professional services
Professional Services - Photography and Videography
Mandatory form for either the Photography Studio and Videography Services classes when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services, photography studio, videography services
Interior Decorator
Mandatory form for the Interior Decorator class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
SL 50 45
Mandatory form for Consultants - Wedding class when Professional Liability Coverage Form, SL 50 45, is on the policy
Consultant, Professional services
Notary Public
Mandatory form for the Notary Public class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
Professional Services - Telemarketing Firm
Mandatory form for the Telemarketing Firm class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services, telemarketing firm
Professional Services - Court Reporter
Mandatory form for the Court Reporter class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
Stenographic Services
Mandatory form for the Stenographic and Secretarial Services class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
Copying and Duplicating Services
Mandatory form for the Copying & Duplicating Services class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
Interpreter or Translator
Mandatory form for the Interpreter or Translator class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
Professional Services - Artists & Art Studio
Mandatory form for the Graphic Artists and Designers class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services, art studio
Professional Services - Tax Preparer
Mandatory form for the Tax Preparer class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services
Professional Services - Consultant
Mandatory form for the Consultant - Business and Management class when Professional Liability Coverage Form, SL 50 45, is on the policy
Professional services, consultant
Additional Limits of Liability for Claims Expenses
Provides seperate Claim Expense Each Claim and Claim Expense Aggregate limits for damages and claim expenses
Professional services, manufacturer, printing & publishing company, consultant, agency, franchise business, association, distributor, broker, car dealership, school
Limits of Liability Change
Mandatory form for when the Professional Liability Coverage Form, SL 50 45, is on the policy and the Professional Liability limits of insurance are changed during the policy period and Additional Limits of Liability for Claims Expenses Endorsement - Professional Liability Form, SL 50 47, is not on the policy
Professional services
Extended Reporting Period
Available to the policyholder for an additional premium and offers 1, 3, or 5 years of coverage
All Classes
Designated Entities
Excludes coverage under the Professional Liability Coverage Form for entities or subsidiaries designated on the form
Accounting, auditing services
Employment Practices Liability Coverage
Coverage for employment-related sexual harassment, wrongful termination and discrimination on a claims-made basis with defense expenses reducing the available limits of insurance
All Classes
Third Party Liability
Coverage for third party claims related to discrimination or harassment
All Classes
Retroactive Date
Amends the Employment Practices Liability Insurance to include a retroactive date
Professional services,
Supplemental Extended Reporting Period
Provides a 3 year extended reporting period to the policyholder for an additional premium
All Classes
Limits of Liability Change
Applies when the Employment Practices Liability limits of insurance are changed during policy term
Professional services, franchise business, consultant, agency, association, distributor, broker, manufacturer, printing & publishing company, art studio, school
Wage and Hour Claim Expenses
Coverage for claim expenses related to wage and hour violations as described in the form
All Classes
Hazards Insured Elsewhere - Employment Practices Liability Coverage Form
Excludes coverage for injury or damage for which insurance is provided by any policy shown in the schedule on the endorsement
Professional services, franchise business, association, distributor, broker, school
Educators Legal Liability Coverage Form
Provides claims-made coverage for professional and employment0related acts at educational institutions
School
Supplemental Extended Reporting Period
Form is available to the policyholder for an additional premium and is available at an unlimited duration
School
Pastoral Counseling Errors and Omissions Liability Coverage
Coverage for negligent acts, errors or omissions in the performance of counseling services by the insured's pastoral counselors
Churches and other houses of worship, wedding chapel
Theft Deductible
Applies a separate deductible to the peril of theft, which cannot be less than the Property Deductible
All Classes
Windstorm or Hail Percentage Deductible
Applies a percentage deductible to losses or damage caused by windstorm or hail for Building and/or Business Personal Property located at the scheduled premisses
All Classes
Windstorm or Hail Fixed Dollar Deductible
Applies a fixed deductible to loss or damage caused by windstorm or hail
All Classes
Windstorm or Hail Business Income Waiting Period
Applies a waiting period to Business Income losses at the scheduled premises related to windstorm or hail
All Classes
Collapse
Coverage for collapse of building property or business personal property within the building caused by the specified causes of loss described in the form
All Classes
Fire Extinguisher Recharge
Extends the Limit of Insurance available for building or business personal property to apply to the cost of recharging or replacing fire extinguishers and fire extinguishing systems if they are discharged while fighting a covered fire
All Classes
Lease Assessment
Coverage for the insured's share of any assessment charged to all tenants by the building owner
All Classes
Lock and Key Replacement
Coverage for the cost to re-key, repair, or replace locks after the theft, or attempted theft, of keys to the insured's owned or leased building
All Classes
Business Income from Dependent Properties
Coverage for the loss of Business Income and incurred Extra Expense that the insured sustains as the result of loss or damage at a dependent property or secondary dependent property.
All classes excluding those in financial services
Forgery Coverage
Coverage for loss from counterfeit money orders or currency, as well as forged or altered instruments as defined in the form
All Classes
Arson and Theft Reward
Reimburses the insured for rewards paid for information leading to conviction after a covered arson or theft loss
All Classes
Business Income and Extra Income for Drinkable Water
Provides case management services, expense reimbursement and optional coverage for lost wages and metal health counseling for the owner of the insured business or a full-time employee of the insured, with a $250 deductible
All Classes
Accounts Receivable
Coverage for outstanding balances that the policyholder is unable to collect due to loss or damage to their accounts receivable records from a covered cause of loss
All Classes
Money and Securities
Coverage for loss of money and securities used in the insured's business due to theft, disappearance or destruction
All Classes
Claim Expense
Reimbursement to the insured for expenses incurred to assist the company in the investigation of a claim of suit
All Classes
Pairs or Sets
When a covered loss occurs to property which is part of a pair or set, this form provides coverage up to the covered property limit(s) of insurance for the consequential loss of marketability to the undamaged stock which is part of that pair or set
All Classes
Salespersons Samples
Coverage for loss or damage to samples of the insured's stock while in the care of their sales representatives
All Classes
Lost Keys
Coverage for the loss of a customer's keys which are in the insured's care, custody or control
All Classes
Contract Penalties
Reimbursement to the insured for contract penalties assessed due to loss or damage to covered property by a covered cause of loss
All Classes
Expediting Expenses
Coverage for certain expediting expenses incurred to meet any delivery date prior to loss or damage at the scheduled premises
All Classes
Employee Dishonesty Coverage
Coverage for loss of money, securities, and other covered property from dishonest or fraudulent acts of the insured's employees, directors and officers
All Classes
Theft Damage to Building
Coverage up to the covered property limit(s) of Insurance for loss or damage to the building caused by theft burglary or robbery
All Classes
Fraudulent Transfer Coverage
Coverage for the fraudulent transfer of money, securities, and other intrinsically valued property
All Classes
Business Income from Websites
Coverage for the loss of business income and incurred extra expense when a vendor providing online access services causes loss or damage to the insured's business operations
All Classes
Transit Coverage Property in the Control of Carriers for Hire
Coverage for business personal property and personal property of others which is damaged while in transit within the coverage territory by a carrier for hire
All Classes
Sump Overflow Sump Pump Failure
Coverage for loss or damage to covered property due to the failure of a sump pump or any other types of systems designed to remove subsurface water from the foundation area of the scheduled premises
All Classes
Unauthorized Business Card Use
Coverage for loss resulting from the theft or unauthorized use of business credit, debit, or charge cards
All Classes
Paved Surfaces
Coverage for loss or damage to paved surfaces such as bridges, roadways, walks, patios, and parking lots
All Classes
Leasehold Improvements
Coverage for in the case the insured's lease is cancelled as the result of covered cause of loss to property at the location where the insured is a tenant and the insured is unable to legally remove the tenant improvements and betterments they installed
All Classes
Fine Arts Coverage
Coverage for loss or damage to fine arts owned by the insured or owned by others but in the insured's care, custody, or control at the time of loss or damage
All Classes
Scheduled Fine Arts Coverage
Coverage at an agreed value for loss or damage to fine arts which are listed and described in the schedule or declarations
All Classes
Back-Up of Sewers and Drains Coverage
Coverage up to the covered property limit(s) of insurance for loss or damage to covered property caused by water that backs up from a sewer or drain
All Classes
Building Property of Others
Coverage for loss or damage to the building where the insured is a tenant and the lease requires the insured to pay for such loss or damage
All Classes
Computers Worldwide
Coverage for loss or damage to computers located anywhere in the world
All Classes
Transit Business Income
Coverage for the loss of business income an incurred extra expenses as the result of loss or damage to covered property which is in transit
All Classes
Animal Damage to Buildings
Coverage for loss or damage to building property caused by animals which the insured does not own but is in their care, custody, or control
All Classes
Emergency Vacating Expenses
Coverage for the reasonable and necessary expenses associated with vacating and returning business personal property to the scheduled premises in connection with imminent danger of loss or damage
All Classes
Harvested Crops
Coverage for loss or damage to grain, hay, straw, fruits, vegetables, and other crops which have been harvested and are stored inside the insured's scheduled premises
All Classes
Hired Auto Physical Damage Coverage
Coverage for loss or damage to automobiles which are leased, hired, or borrowed by the insured or by the insured's employee while performing duties related to the insured's business
All Classes
Installation Coverage
Coverage for materials an supplies at a job site that will become a permanent part of a building or structure, as well as soft costs incurred as the result of a delay in the completion of installation operations
All Classes
Musical Instruments
Coverage for loss or damage to the insured's musical instruments or musical instruments others that are in the insured's care, custody, or control
All Classes
Product Contamination
Coverage for the loss of marketability of the insured's product which has been sold out but not delivered due to an accidental contamination by any foreign object or substance during the manufacturing process
All Classes
Animal Bailee Coverage
Coverage for the accidental injury, death, destruction, or disappearance of animals owned by others while in the care, custody, or control of the insured
All Classes
Bailee Customers Goods Coverage - Replacement Cost Valuation
Coverage for the loss or damage to customers' goods that the insured has accepted for processing
Upholstery Cleaning Services - Shop, Upholstery Services - Shop Only, Carpet and Furniture Cleaning , Watch - Clock and Jewelry Repair Services, Dry Cleaning and laundry Pickup Stations, Personal Valet Service - Not Parking, Dry Cleaners/Laundries, Tailor, Embroidery
Contractors Equipment Coverage
Coverage for equipment used in the insured's construction or installation business, as well as optional coverage for rental reimbursement for replacement equipment
All Classes
Scheduled Contractors Equipment
Coverage for equipment used in the insured's construction or installation business which is listed and described in the declarations or schedule, and optional coverage for rental reimbursement when needed
All Classes
SP 30 02
Coverage for leased or rented equipment used in the insured's construction or installation business
Manufacturer, printing and publishing company, art studio, franchise businesses, association, distributor, broker, car dealership, school
Contractors Tools
Coverage for tools used in the insured's construction or installation business
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Newley Acquired or Constructed Property
Coverage for building, business personal property, and business income to apply to newly acquired or constructed locations before they are added as a scheduled premise to the policy
All Classes
Franchise Upgrade Coverage
Coverage for additional costs to upgrade damaged property to franchise standards after a covered loss
All Classes
Business Income for Food Contamination
Coverage for the loss of business income and incurred extra expenses when the insured's operations are suspended due to an order from a governmental authority due to the discover or suspicion of food contamination
All Classes
Garage Keeps Coverage
Coverage for the loss or damage to a customer's automobile, including related equipment and personal property owned by the customer and left in the automobile, which is in the insured's care, custody, or control for service, maintenance, repair, storage, parking or safekeeping
Car dealership, school
False Pretense Coverage
Coverage for the loss or damage to covered property when the insured is included into voluntarily parting with such property by fraudulent scheme, trick, device, or false pretense
All Classes
K-Cough
Coverage for kennel cough which is a contagious respiratory disease in dogs caused by viruses and bacteria
Kennels
Ordinance or Law Coverage
Coverage for the increased costs associated with repairs or replacement caused by enforcement of laws and ordinances regulating construction or repair
All Classes
Spoilage
Coverage for loss or damage for the spoilage of perishable goods located at or within 1,000 feed of the scheduled premises caused by a change in temperature or humidity due to mechanical breakdown, power surge, or power failure
All Classes
Roof Value Scheduled Settlement Windstorm or Hail Losses to Roof Surfaces
When this form is attached to the policy, payments for wind or hail damage to roof surfacing will be reduced by a set schedule of percentages based on the age and type of roof
All Classes
Actual Cash Value for Business Property
Coverage that reimburses policyholders for the current market value of their property if it is stolen, destroyed, or damaged due to a covered event, minus any applicable deductions for depreciation
All Classes
Declarations Pages Professional Liability
Coverage for professional services rendered by the insured
All Classes
Employment Practices Liability
Coverage for wrongful acts related to an employer's management, administration, and supervision of its employees
All Classes
Educators Legal Liability
Legal coverage for educators and instructors
School
Amendment of the Declarations - Additional Persons or Organizations Designated as Named Insureds
Form amends the Declarations page by identifying additional persons or organizations as named insureds
All Classes
Terrorism Coverage
Mandatory when terrorism coverage has been added to the policy
All Classes
Trade or Economic Sanctions
Mandatory for all classes to comply with trade or economic sanctions
All Classes
Products/Completed Operations Liability Coverage
Coverage for damages from products completed operations liability exposures
Manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Commercial General Liability Coverage Form
Coverage for bodily injury, property damage and medical expenses with a limit of insurance per occurrence as stated in the Declarations
Retail store, franchise business, professional services, manufacturer, printing and publishing company, school
Owners and Contractors Protective Liability Coverage Form - Coverage for Operations of Designated Contractor
Coverage for bodily injury or property damage arising out of operations performed by designated contractors
All Classes
Liquor Liability Coverage
Coverage for injury or damage arising out of the selling, serving or furnishing of any alcoholic beverages
All Classes
Electronic Data Liability Coverage
Modifies the definition of property damage to provide coverage for the loss of, damage to, corruption of, inability to access, or inability to manipulate electronic data, resulting from physical injury to tangible property
All Classes
Deductible Liability Insurance
Applies a deductible to property damages losses covered by the Business Liability Coverage Form
All Classes
Deductible Liability Insurance
Coverage for damages that exceed the amount of liability insurance purchased by a business
All Classes
Additional Insured - Club Members
Broadens the "Who Is an Insured" section of the Business Liability Coverage From that add club members as insureds
School
Additional Insured -Concessionaires Trading Under Your Name
Broadens the "Who is an Insured" section of the Business Liability Coverage Form to add concessionaires shown in the declarations only when trading under the insureds name
All Classes
Additional Insured - Condominium Unit Owners
Modifies the "Who is an Insured" section of the Business Liability Coverage Form to include unit owners of the insured condominium as insureds
Consultant, agency, professional services, manufacturer, printing and publishing company, art studio, franchise business, association, distributor, broker, car dealership, school
Additional Insured - Controlling Interest
Broadens the "Who is an Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the declarations as additional insureds, but only with respect to liability arising out of their financial control of the insured, or premises they own, maintain, or control while the insured leases or occupies these premises
All Classes
Additional Insured - Owners, Lessees or Contractors - Scheduled Person or Organization
Adds a person or organization to the "Who Is an Insured" section of the Business Liability Coverage Form with respect to injury or damage caused by the performance of the insured’s ongoing operations for the additional insured at the location designated in the Declarations
All Classes
Additional Insured - Managers or Lessors of Premises
Broadens the "Who Is an Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the declarations as additional insureds, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to the insured and shown in the Declaration
All Classes
Additional Insured - State or Governmental Agency
Coverage for an agency of the state or governmental entity for its vicarious liability arising out of the named insured's operations
Agency, school
Additional Insured - Vendors
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include additional insureds with respect to liability for bodily injury or property damage arising out of the insured's products
All Classes
Additional Insured - Church Members and Officers
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add church members, trustees, or members of the clergy as insureds
Churches
Additional Insured - Executors, Administrators, Trustees or Beneficiaries
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add executors, administrator, trustees or beneficiary of the estate or living trust
All Classes
Additional Insured - Owners or Other Interests From Whom Land Has Been Leased
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include the person(s) or organization(s) shown in Declarations as additional insureds, with respect to liability arising out of the ownership, maintenance or use of leased land
All Classes
Additional Insured - Elective or Appointive Executive Officers of Public Corporations
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add any elective or appointive officer or member of any board or commission or agency of the insured
All Classes
Additional Insured - Designated Person or Organization
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the Declarations as additional insureds
All Classes
Additional Insured - Co-Owner of Insured Premises
Provides additional insured protection to a person or organization that is a co-owner of the premises shown in the Declarations
All Classes
Additional Insured - Lessor or Leased Equipment
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) as additional insureds with respect to liability for bodily injury, property damage or personal and advertising injury caused by the insured's maintenance
All Classes
Additional Insured - Grantor of Franchise
Add additional insureds to the Business Liability Coverage Form with respect to liability as grantor of franchises
All Classes
Additional Insured - Grantor of Licenses
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to add any Grantor of Licenses
All Classes
Additional Insured - Owners, Lesses, or Contractors - Completed Operations
Broadens the "Who is An Insured" section of the Business Liability Coverage Form to include person(s) or organization(s) shown in the Declarations as additional insureds of the policy but only with respect to injury or damage caused by the insured's work an at the location shown in the Declarations
All Classes
Contractual Liability Limitation
Limits the definition of insured contract to five specific defined types
All Classes
Amendment of Liquor Liability Exclusion
Modifies the liquor liability exclusion to also exclude coverage for bodily injury or property damage arising out of the manufacturing, selling, or distributing of alcoholic beverages
All Classes
Cap on Losses from Certified Acts of Terrorism
Mandatory for Ohio policies written with mandatory certified Acts of Terrorism Coverage when the policy is an Owners and Contractors Protective Policy
All Classes
Snow Plow Operations Coverage
Coverage for products-completed operations coverage arising out of snow or ice removal operations
All Classes
Waiver of Charitable Immunity
Waives any charitable immunity of the insured, both in the adjustment of claims and in the defense of suits, unless the insured requests otherwise in writing
All Classes
Waiver of Governmental Immunity
Waives an insured's governmental immunity in the adjustment of claims and defenses of suits against the insured
All Classes
Amendment of Coverage Territory - Worldwide Coverage
Expands the coverage territory of the Business Liability Coverage Form
All Classes
Coverage Territory - Worldwide Coverage with Specified Exception
Coverage for a business worldwide, except for certain specified countries
All Classes
Additional Insured - State, Governmental Agency, Subdivision or Political Subdivision - Permits or Authorizations
Adds additional insureds with respect to operations performed by the insured or on the insured's behalf for which a permit or authorization has been issued by a state or governmental agency
All Classes
Building and Personal Property Coverage Form
Coverage for Building and Business Personal Property against direct physical loss or direct physical damage not otherwise excluded or limited
All Classes
Condominium Commercial Unit-Owners Coverage Form
Modifies the Special Property Coverage Form to change the definitions of Building and Business Personal Property to help meet requirements in the condo association bylaws
All Classes
Business Income and Extra Expense Coverage
Coverage for the actual loss of Business Income and incurred Extra Expense when operation are suspended due to loss or damage to property at the scheduled premises caused by a Covered Cause of Loss, as well as Extended Business Income coverage
All Classes
Leasehold Interest Coverage
Coverage for Bonus Payments, Prepaid Rent, Sublease Profit, and Tenant's Lease Interest when the insured is a tenant in their location and their lease is cancelled by the lessor due to damage to the leased building by a Covered Cause of Loss
All Classes
Increased Cost of Loss and Related Expenses for Green Upgrades
Coverage for the additional costs incurred to repair or replace damaged covered property using eco-friendly (green) alternatives after a covered loss at the scheduled premises
Retail store, consultant, manufacturer, printing and publishing company, franchise business, distributor, broker, car dealership, school
Utility Services Direct Damage
Coverage for loss or damage to Covered Property located at the scheduled premises caused by an interruption of utility services
All Classes
Business Personal Property Limited International Coverage
Coverage for Business Personal Property which is in the insured's care, custody, or control while anywhere in the world (excluding the United States of America, Puerto Rico, and Canada) on an international business trip
All Classes
Functional Business Personal Property Valuation
This form is attached to the policy, individual items of Business Personal Property may be scheduled on a function valuation
All Classes
Spoilage Coverage
Coverage for loss or damage for the spoilage of perishable goods located at or within 1,000 feet of the scheduled premises caused by a change in temperature or humidity due to mechanical breakdown, power surge, or power failure
All Classes
Vacancy Permit
Suspends the vacancy loss at the designated building for a specified period of vacancy
All Classes
Earthquake and Volcanic Eruption Coverage (Sub-Limit Form with Flat-Dollar Deductible)
Adds earthquake and volcanic eruption perils as Covered Causes of Loss to the policy, with coverage provided up to the Covered Property Limit(s) of Insurance unless a Specified Limit of Insurance is selected
All Classes
Causes of Loss - Special
Coverage for losses caused by events other than those specifically excluded in the policy
All Classes
Equipment Breakdown Cause of Loss
Coverage for equipment breakdown accidents that cause damage to certain types of Covered Property as defined in the form
All Classes
Loss Payable Provisions
Modifies the Special Property Coverage Form to recognize the financial interest of a loss payee or creditor
All Classes
Additional Covered Property
Coverage for loss or damage to scheduled property located anywhere in the world (including while in transit)
All Classes
Outdoor Signs
Coverage for loss or damage to outdoor signs owned by the insured or owned by the others but which are in the insured's care, custody, or control and are located at the scheduled premises
All Classes
Off-Premises Interruption of Business - Vehicles and Mobile Equipment
Coverage for the loss of Business Income, Extended Business Income, and Incurred Extra Expense that the insured sustains when covered property is damaged away from the schedules premises
All Classes
Business Income From Dependent Properties - Broad Form
Coverage for the loss of Business Income and incurred Extra Expense that the insured sustains as the result of loss or damage at a dependent property or secondary dependent property
All Classes
Increased Period of Restoration
Ensures that the period of restoration for Business Income and Extra Expense coverage does not get cut short prematurely due to the enforcement of an Ordinance or Law
All Classes
Utility Services - Time Element
Coverage for the loss of Business Income and incurred Extra Expense caused by an interruption of utility service to the scheduled premises
All Classes
Cap on Losses from Certified Acts of Terrorism
Mandatory on all Ohio policies written with mandatory Certified Acts of Terrorism Coverage when the policy contains the Special Property Coverage Form, SP 00 00
All Classes