Insurance for Business Owners

We have products designed specifically to meet the needs of small and medium-sized businesses like yours. And we continue to research and design new products with your business needs in mind. Your agent can help you decide which products give you the best coverage for your specific needs.

Business Owners Policy (BOP)

Our Business Owners Policy is designed specifically for small retail businesses, offices, condominiums with five or more attached units, apartment houses, and building owners who lease out their premises with similar occupancies. BOP gives you peace of mind because it covers several perils including property and general liability, and offers a wide array of options. Available in Florida and Louisiana.

Vector

This distinctive, innovative product was designed specifically for artisan contractor businesses with five or fewer employees. Vector provides general liability, fire damage and medical expense coverages as well as options for inland marine coverage and additional insureds. Vector covers small artisan contractors in dozens of classes. Available in Florida and Louisiana.

Standard Flood

Floods are the leading cause of property damage in the United States. Floods can happen anywhere, any time - not just in coastal areas or near lakes and rivers. In the last two years, floods have hit homes and businesses in all 50 states. Torrential rain, snowmelt, mudslides, dam failures and inadequate drainage systems can all cause flood losses. 

The federal government requires mortgaged properties in special flood hazard areas to be insured against flooding. Not in a high-risk flood zone? According to the NFIP, 25 to 30% of all flood claims come from low-risk areas. Since flood insurance rates and coverage levels are set by the government, they're the same regardless of the agency you choose. We have the experience, the resources and the support to make buying flood easy for you. Standard flood will insure your residence (not the land) up to $250,000. Contents coverage can be purchased with a standard flood policy, providing an additional $100,000 in coverage. Preferred Risk coverage, designed for properties in low-risk areas (B, C, or X zones), covers your contents only with coverage up to $100,000. Available nationwide.

Excess Flood

Excess Flood provides the protection you need if your business structure is valued above the cap of your standard flood policy. With a Bankers' Excess Flood policy, you can increase the coverage on your business structure from $500,000 to $2 million, depending on the state. You can also increase the existing coverage on your contents, up to an additional $500,000 for non-residential. Excess Flood for businesses and homes is currently available in AL, AZ, CA, DE, FL, GA, LA, MA, MD, MS, NV, NC, OH, PA, SC, TX and VA.

Homeowners & Dwelling Fire I Standard and Excess Flood

Call us today for a competitive quote or for more information. Toll-free: 877-219-9519