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Business Owners Policy

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Producers / Brokers

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  • 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

What is a Business Owners Policy?

The Business Owners Policy (BOP) was designed with Small Business Owners in mind. It combines General Liability and Business Personal Property Coverage's onto one, easy to obtain, policy.

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?

All submissions are handled through our easy to use Online BOP Portal for agents, no paper applications are necessary.

Agents can access the Online BOP Portal by logging into and navigating to the "Quotes" tab. Eligible submissions can be quoted, bound and will receive policy within minutes.

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Business owners can contact their agent to obtain a quote on their behalf!

Policy Forms

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