Our focus is on a wide range of retail businesses that primarily conduct their operations from a brickand-mortar store front.

• Key underwriting guidelines:

• New ventures may be considered

• Risks may include storage facilities in a

separate building owned by the insured,

which are incidental to an eligible retail risk

and do not exceed 25,000 square feet

• Risks should operate from a retail location

and not primarily act as a contractor.

• Occupancies with a high exposure to

business personal property theft must have a

central station security alarm system.

• Operations should not have more than 10%

of receipts derived from rental of personal

property and should not have more than

5% of receipts derived from sales of used

merchandise.

• Florists should not grow stock for sale by

others, employ landscape gardeners or

designers, operate greenhouses or care for

live plants away from the insured location.

BUSINESSOWNERS

• Up to $20 million in building and business

personal property

• Up to $20 million in total sales

• $5m max sales per location

• 25,000 max square footage for a retail building

COMMERCIAL AUTO

• Fewer than 20 power units

CYBER LIABILITY AND EMPLOYMENT

PRACTICES LIABILITY

• Automatically offered on all eligible BOP quotes

• Available limits up to $1 million

• Available for majority of target classes

WORKERS’ COMPENSATION

• Fewer than 50 employees

• Up to $2 million in total payroll exposure