Business Owners Policy (BOP)

PHLY producers can get a quote online using the BOP portal. Start by clicking on the button below.

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What is a Business Owners Policy?

The Business Owners Policy (BOP) combines General Liability and Business Personal Property Coverage's onto one, easy to obtain, policy.

Product Contact

Michael Gilio

Michael.Gilio@phly.com

Who is eligible?

PHLY's BOP product is available to professional, office based operations that have under $5,000,000 in annual revenues.

Target operations:

  • Accountant/Bookkeeper/Tax Preparer
  • Career Coach/Corporate Trainer/Tutor
  • Chiropractor
  • Computer/Technology consultant
  • Data Processing
  • Expert Witness
  • Human Resource Consultant
  • Financial Consultant
  • Non-Profit Foundation
  • Insurance Agent
  • Management/Business Consultant
  • Marketing Consultant
  • Medical Billing Support Services
  • Notary
  • Recruiter
  • Translator/Interpreter

How do I apply?

PHLY's BOP product is available to professional, office based operations that have under $5,000,000 in annual revenues.

Product Highlights

  • Minimum premiums around $250
  • Standard limits of $1,000,000 per occurrence with a $3,000,000 aggregate
  • $50,000 Business Income coverage included
  • Hired & Non-Owned Auto coverage available
  • Equipment Breakdown coverage available
  • $5,000 in Medical Payments coverage included
  • $10,000 in Off - Premises Property coverage included
  • Enhanced Outdoor Property coverage - 1,250 feet
  • Employees and volunteers included as insureds
  • Primary and Non-Contributory coverage and Waiver of Subrogation available
  • Blanket Additional Insured endorsement available for any person(s) or organization(s) for whom you are performing "your work" under a written contract or agreement as required
  • Business Owners Enhancement Deluxe available to all risks for an additional charge
  • PHLY Bell and Crisis Management endorsements are automatically included on every account

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