Monday, April 11, 2011

Business Owners Policy (BOP)

The BOP program with U.S. Insurance Services makes securing coverage easy, with one-stop shopping for professional and office coverage. Our Elite Enhancement provides for $10,000 (per person) medical payments, a triple liability aggregate limit, and additional insured on a blanket basis, among many other enhancements.

Coverage Features

General Liability

  • Available occurrence limits: $300,000, $500,000, $1,000,000
  • Liability and Medical Expenses: Aggregate is three times the occurrence limit
  • Products / Completed Ops: Aggregate is same as the occurrence limit
  • Tenants Fire Liability: $50,000
  • "Per Person" Medical Expense Limit: $10,000

Optional Coverages

  • EMPLOYED DISHONESTY
    Coverage is available for dishonesty or fraudulent acts of the insured's employees, at optional limits of $5,000, $10,000, $25,000, $50,000 or $1000, 000 per occurrence.
  • MONEY AND SECURITIES
    Coverage for money and securities is available. The limits of insurance apply to on-premises and off-premises exposures.
  • MECHANCIAL BREAKDOWN
    Coverage is available for boilers and pressure vessels and air conditioning units (capacity of at least 60,000 BTU) for sudden and accidental breakdown.
  • OUTDOOR SIGNS
    Coverage is available for outdoor signs which are the property of the insured or the Property of others in the care, custody and control of the insured.
  • INTERIOR GLASS
    Coverage is available for direct physical loss of or damage to items of glass that are permanently affixed to the interior walls, floors or ceilings of a covered building or structure.

Documents Required for Proposal

  • Completed application
  • Company loss runs for current policy period plus last three "or" signed and dated no loss letter on company's letterhead

Call 1-800-874-1738 x201

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