Who writes Business owners policy (BOP)

Restaurants — Acuity writes 'all kinds of restaurants', listing fine dining, family restaurants, fast food, bakeries, cafes, ice cream shops, delis, bars and taverns, caterers and food service contractors. Bis-Pak BOP with liquor liability, food contamination, equipment breakdown and cyber options (Acuity restaurant insurance page, viewed Oct 2026).

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Contractors — Preferred for BOP: interior carpentry, drywall, electrical within buildings, floor covering (not ceramic or stone), HVAC, interior decorators, landscaping with no tree removal or excavation, interior painting, commercial plumbing and window cleaning. Fence erection and household appliance installation are eligible rather than preferred. WC is preferred for electrical, flooring, HVAC and landscaping but only eligible for carpentry, drywall and painting (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025).

Offices — Office classes are preferred for BOP, WC and umbrella: accountants and CPAs, advertising, bookkeeping, architects and engineers (consulting only), insurance agents, lawyers, medical and dental offices, real estate agents, title agents and tax preparers. Retail, office, service and wholesale BOPs go up to $10M property per location and $30M per policy. The agent BOP page lists AK, FL and HI as ineligible states (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025; AmTrust BOP agent page, Oct 2026).

Retail — Most retail classes are preferred for BOP and WC, including appliance, footwear, audio-visual, auto parts, bakeries, barber and beauty supply, and bicycle stores. Auctioneers selling away from premises are only eligible. Retail sales cap is $7.5M (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025).

Habitational — Apartment buildings (no boarding houses, assisted living or more than 10% student housing), residential condo associations and townhouse associations are eligible for BOP, umbrella and auto, with cyber preferred. Limit is $4M per building, $10M per location and $15M per policy (AmTrust Small Business Appetite Guide, BOP, MKT6424, May 2025).

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Offices — BOP targets office, mercantile, processing and service businesses, single location and contents only, with optional cyber, EPL, workplace violence, equipment breakdown and hired and non-owned auto. Eligible states are shown only on a map (Berkley Small Business BOP page, 2026).

Retail — Mercantile risks are a BOP target. The micro-BOP covers home-based and shared-space retail and service businesses with revenue up to $500K and no more than four employees including the owner, with business personal property limits of $2,500 to $25,000 (Berkley Small Business BOP page, 2026).

Contractors — Strong BOP appetite for artisan contractors: cable installation, paving, drywall, electrical, glass and tile, HVAC and plumbing, interior carpentry and flooring, janitorial, landscaping, masonry, painting and paperhanging. Excavation needs underwriter review; roofing and work from heights is limited or no appetite. WC for most of these classes is in appetite with underwriter review (GUARD Appetite Overview, APOV101926, Oct 2026).

Restaurants — Strong BOP and umbrella appetite for family style, fast food, fine dining, limited cooking and takeout restaurants. Bars and nightclubs, banquet halls and food trucks are limited or no appetite for BOP; catering needs underwriter review (GUARD Appetite Overview, APOV101926, Oct 2026).

Retail — Strong appetite for bakeries and coffee shops, clothing and jewelry, florists, building material, furniture and variety stores. Grocery, pawn shops and tobacco shops are limited or no appetite for BOP. WC is strong for most retail classes (GUARD Appetite Overview, APOV101926, Oct 2026).

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Contractors · AZ, CA, CO, CT, FL, IA, IL, IN, KS, MA, MD, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA — BOP is available in 28 states and is a 'Yes' for most artisan trades the guide lists (carpentry, drywall, flooring, HVAC, plumbing, electrical, painting, masonry). Excavation and street paving are eligible for BOP but not umbrella (biBERK Appetite Guide, Aug 15, 2024).

Retail — Clothing stores, florists, delis, garden supply, HVAC and plumbing equipment retail, camera stores and general retail are a 'Yes' for GL, BOP and umbrella. Convenience stores are 'maybe' and not eligible for WC, GL or BOP in NY (biBERK Appetite Guide, Aug 15, 2024).

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Professional services — Strong appetite across BOP and GL, workers' comp, umbrella and auto for lawyers, architects and engineers, advertising and PR, business consultants, veterinarians, photographers and real estate agents. Chubb says quote rates exceed 80% where appetite is strong. Appetite differs in CA, FL and NY (2024 Chubb Small Business Appetite Guide).

Retail — Strong for clothing and jewelry stores, bakeries and coffee shops, pharmacies and florists. Furniture and electronics stores are qualified. Grocery, liquor and cell phone stores are limited or no appetite for BOP, though cyber stays strong for all retail classes (2024 Chubb Small Business Appetite Guide).

Restaurants — Sandwich shops are strong for BOP and auto, qualified for WC and umbrella. Casual and fine dining is qualified for BOP, WC and umbrella. Fast food is limited or no appetite for BOP, WC, umbrella and auto (2024 Chubb Small Business Appetite Guide).

Real estate — Lessor's risk only and commercial condo and homeowner associations are strong for BOP, umbrella, auto and cyber. WC is limited or no appetite for LROs. Chubb's BOP covers more than 1,000 classes, and BOP Express Quote handles nearly 400 of them (2024 Chubb Small Business Appetite Guide; Chubb Marketplace page, 2026).

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Contractors — Cincinnati's small business page lists small contractors it serves: carpenters, drywall installers, electricians, HVAC, painters, paper hangers, plumbers and tile installers. BOP, GL, property, WC, auto, cyber and professional liability are the listed coverages. No size limits are published (Small Business page, Oct 2026).

Retail — Named retail classes: apparel and footwear, building materials and garden supplies, electronics and home goods, florists, and sports, hobbies, music and books. A three-year policy term is available for qualifying businesses (Small Business page, Oct 2026).

Restaurants — Named restaurant and food classes: breweries, caterers, coffee bars and cafés, delis and sandwich shops, and ice cream shops (Small Business page, Oct 2026).

Healthcare — Named health care classes: medical offices, chiropractors, dentists, dermatologists, dietitians, general practitioners, occupational therapists and sleep centers (Small Business page, Oct 2026).

Professional services — Named professional and business services: accountants, consulting, design and drafting, finance and insurance services, lawyers, and marketing and advertising. Professional liability is offered alongside the BOP (Small Business page, Oct 2026).

Real estate — Named real estate classes: commercial condos, homeowner associations, lessors of office, retail and service occupancies, and real estate and title agents (Small Business page, Oct 2026).

Professional services — Actively written for BOP, auto, WC and umbrella: accounting, architectural and engineering consulting, management consultants, interior decorators, law offices, real estate agents, appraisers, graphic designers, tax preparers and travel agencies. CNA Connect limits for this group: $10M property per location, $30M receipts per policy, $10M WC payroll, 25 vehicles (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026).

Retail — Actively written for BOP, auto, WC and umbrella: apparel and footwear, home goods, electronics and appliances, jewelry, sporting goods and food stores. Retail is eligible up to $10M property per location, $20M receipts and $5M WC payroll (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026).

Real estate — Shopping centers and commercial units written as lessor's risk are actively written for BOP, auto, WC and umbrella, up to $10M property per location (2026 CNA Small Business Appetite Guide; Eligible Values sheet, Jan 2026).

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Offices — Consultants, accountants, architects, engineers, insurance and real estate agents, designers and property managers. Up to $10M revenue, 50 employees and one location per policy. No more than two losses, and none over $15K, in five years. Home-based businesses accepted (Coterie Appetite Guide, CR-2026-08-634).

Restaurants — Full-service and limited-service restaurants are Coterie's top two classes (Top 100, Dec 2025). BOP is underwritten on seating, construction and revenue. Kitchen equipment, grease traps and fire suppression must work, and there can be no large delivery fleet. Food trucks may fit standalone GL (eligibility guide, June 2026).

Contractors — Electrical, plumbing, HVAC, masonry, painting and landscaping. Up to $5M revenue and 15 employees. Contracting classes are unavailable in New York, and $2M/$4M limits aren't offered to contractors in CA, CO, FL, NY or TX. Abatement, demolition and heavy equipment work are out of appetite (Appetite Guide, CR-2026-08-634; BOP brochure, Dec 2025; eligibility guide, June 2026).

Retail — Retail stores, internet stores, florists and dry cleaners. Grocery and convenience stores are in Coterie's top 10 classes (Top 100, Dec 2025). Up to $10M revenue and 50 employees. Coastal restrictions apply to BOP (Coterie Appetite Guide, CR-2026-08-634).

Healthcare — Medical offices, outpatient mental health, testing labs, gyms, personal trainers and yoga or pilates studios, for BOP, GL and select MPL (Coterie Appetite Guide, CR-2026-08-634).

Wholesale — Wholesalers, distributors, publishers and printers, for BOP or GL. Standard limits of $10M revenue and 50 employees apply (Coterie Appetite Guide, CR-2026-08-634).

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Contractors — BOP Edge small business eligibility: property (building plus contents) under $5M per building and $15M per policy, 25 or fewer power units, payroll under $1M and sales under $10M per location. Contractors get a special contractor enhancement. BOP, commercial auto, WC and umbrella are quotable online in Agent Access (Small Business Solutions flyer MK8413, Aug 2025).

Retail — BOP Edge targets retail within the small business limits above (under $5M property per building, under $10M sales per location). The middle market guide marks apparel, building materials and garden supplies, drug stores, general retail and liquor stores acceptable on all lines; furniture and grocery stores are 'will consider' (MK8413 Aug 2025; MK8592 Jan 2026).

Restaurants — BOP Edge names restaurants, full service and limited cooking, among its small business classes (Small Business Solutions flyer MK8413, Aug 2025). In the middle market guide, restaurants are 'will consider' on every line, meaning more underwriter involvement (MK8592, Jan 2026).

Offices — Offices are a named BOP Edge class. In the middle market guide, architects and engineers, attorneys, banks/insurance/investments, business services, medical and dental offices and real estate agents are acceptable on all lines, and several carry target SIC codes (MK8413 Aug 2025; MK8592 Jan 2026).

Contractors — Targets general contractors, carpentry, handypersons, painting, roofing, landscaping, tile and flooring, concrete and HVAC. Ineligible: revenue or payroll over $5M, any work in New York, exterior work above 30 feet (Contractors Guide, July 2026).

Retail — Targets convenience, hardware, pet and electronics stores, e-commerce and farmers markets. BOP property max TIV $3M. Excludes weapons, cannabis/CBD, vapes, supplements and children's products (Retail Guide, July 2026).

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Restaurants — Restaurants are written on ErieSecure Business, Ultrapack Plus or Ultraflex. Food contamination cover comes in the optional Restaurant Enhancement Endorsements (a separate endorsement on Ultraflex). Optional add-ons include EPL, sewer backup and guaranteed replacement cost. Cyber Suite is only offered on ErieSecure Business (Restaurant Insurance page, Oct 2026).

Offices — Offices and professional services are an ERIE industry package. ErieSecure Business includes sewer or drain backup and optional cover for business property at clients' sites and home offices. Cyber Suite is only offered on ErieSecure Business and not in New York. Workers' comp is a separate policy and not offered in Ohio (Offices & Professional Services and Cyber Suite pages, Oct 2026).

Contractors — Contractors Businessowners Premier is built for artisan contractors, with tools and equipment, loss of income and crime coverage, and liability that extends to additional insureds and includes contractors' E&O. Commercial auto, umbrella, WC, cyber and professional liability are available add-ons (Frankenmuth construction industry page, Oct 2026).

Wholesale — Wholesalers and distributors, retail stores and service industries are among the industries with tailored Business Protector BOPs. Optional coverages include WC, EPLI, inland marine, hired and non-owned auto, equipment breakdown and professional liability (Frankenmuth businessowners policy page, Oct 2026).

Contractors — Small business contractor classes include interior carpentry, carpet cleaning, concrete foundations, drywall, in-building electrical, fencing, floor covering, gutters, HVAC, janitorial, landscaping and lawn care, masonry, painting, residential plumbing, siding, and interior tile and stone work. Add-ons include contractors tools and equipment, installation and employee tools (Small Business Insurance page, Oct 2026).

Retail — Retail and mercantile shops include auto parts, beauty and barber supplies, clothing, coffee shops (no cooking), millwork sales with installation, florists, furniture and gift shops. Retail excludes liquor, convenience and grocery stores (Small Business Insurance page, Oct 2026).

Offices — Professional offices include advertising agencies, accounting and tax preparation, engineers and architects, financial planners, insurance agents, lawyers and real estate offices. Cyber coverage is included on all eligible BOPs and commercial package policies (Small Business Insurance and Business Cyber pages, Oct 2026).

Healthcare — Health offices on the small business list include chiropractors, dentists, general practice, health practitioners, optometrists, psychologists and veterinarians (Small Business Insurance page, Oct 2026).

Professional services — Service businesses include barber and beauty shops, funeral homes, locksmiths, nail salons, pet grooming (no boarding), photographers and tailors (Small Business Insurance page, Oct 2026).

Real estate — Grange insures commercial building owners who lease office, retail and service space (Small Business Insurance page, Oct 2026).

Professional services — Targets law, CPA, tax prep, architect, design, consulting and advertising offices. BOP up to $20M building and BPP, $10M max TIV per building and $20M total sales. New ventures considered. Avoid banks, surveying, testing labs and R&D (Small Commercial Appetite Guide CMO-2078AO.14, Aug 2026).

Healthcare — Physician, dental, chiropractic, optometry, physical therapy and similar offices. BOP up to $20M building and BPP, $10M max TIV per building. Professional liability not available. Avoid surgery centers, mental health and substance abuse centers, pathology labs and ophthalmologists (Appetite Guide, Aug 2026).

Retail — Brick-and-mortar stores such as hardware, furniture, clothing, florists, auto parts and beauty supply. Up to $20M total sales, $5M per location and 25,000 sq ft max. Avoid tire dealers, convenience, grocery and liquor stores (Appetite Guide, Aug 2026).

Restaurants — Table service, quick service and takeout restaurants, bakeries and smoothie shops. $5M max sales per location. Minimum gross receipts $250K limited cooking, $500K full cooking, $750K fine dining. No new ventures, no hours past 10 p.m., liquor max 35% of receipts. Avoid bars, caterers and mobile food (Appetite Guide, Aug 2026).

Habitational — 1-4 family dwellings, apartments, HOAs, condo associations and lessors risk (except warehouses and strip malls). $10M max TIV per building. Building age limits apply. Excluded states vary by class; AR, CO, FL, GA, IA, NE, NY, SD and TX are excluded for all of them (Appetite Guide, Aug 2026).

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Contractors — PHLYBOP covers seven categories: contractors, retail and service, restaurants, tenant-occupied habitational, offices, lessors and wholesalers, with more than 150 eligible classes. Standard risks at $1,000 to $10,000 premium are the best fit for straight-through processing. Admitted paper, live in 30 states as of March 2026 with all 49 PHLY states targeted by early 2027 (PHLY small business BOP page, Oct 2026).

Restaurants — PHLYBOP restaurants: success so far is mainly with smaller diners, fast-food franchises and coffee shops. Liquor liability is not yet offered (PHLY small business BOP page, Oct 2026).

Habitational — Tenant-occupied habitational is one of the seven PHLYBOP categories but is not available in every state (PHLY small business BOP page, Oct 2026).

Offices — Professional offices page names accountants, advertising, architects, dentists, engineers, financial planners, insurance agents, law offices, medical offices, opticians, real estate agencies, travel agencies, tax preparers and veterinarians. Professional liability is available for some, such as veterinarians, opticians and IT consultants. No size limits published (product page, Oct 2026).

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Offices — Hanover's BOP offers industry-specific coverage options for over 500 classes, including BOP broadening for accountants, architects, engineers and law offices (Hanover BOP page and professional services appetite page, viewed Oct 2026).

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Retail — Spectrum BOP and WC eligibility for retail runs to $15M property and $15M sales per location ($30M per policy). The Hartford says 90% of retail quotes need zero underwriting questions (Oct 2026 state guide).

Offices — Business, professional services and medical offices are eligible up to $20M property and $30M sales per location. Finance, insurance and professional services are among the classes with zero underwriting questions on 90% of quotes.

Restaurants — Restaurants fall in the 'all others' tier: $10M property per location and $15M sales. State guides name full-service restaurants, delis, coffee shops, caterers, bakeries and fast food.

Manufacturing — Manufacturers are eligible up to $10M property per location, $10M sales and $3M payroll. Examples include metal, sign and sheet metal manufacturing.

Offices — Travelers Bindable Quick Quote targets office businesses in financial services, professional services and healthcare, with a bindable quote in as few as eight questions.

Contractors — Specialty trade contractors such as carpenters, flooring installers, electricians, HVAC, landscapers, painters and plumbers. Max $5M TIV per location, $750K payroll, 25 power units (Select Accounts guide, rev. April 2019).

Retail — Retailers of apparel, electronics, furniture, hardware, gifts and home and garden goods. Max $5M TIV per location and $15M sales. New ventures are eligible (Select Accounts guide, rev. April 2019).

Restaurants — Quick service, fast casual, family style and fine dining. Max $10M TIV per building and $10M annual sales (Select Accounts guide, rev. April 2019).

Wholesale — Wholesalers of food and beverages, appliances, electronics and paper goods. Max $15M TIV per location and $15M sales, with three years under the same ownership (Select Accounts guide, rev. April 2019).

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Professional services — Best-performing professional services classes: legal services, medical and dental offices, management consulting, health practitioners, accounting, engineering and chiropractors. CommercialEDGE BOP max $15M TIV per location, $30M all locations and $30M sales, buildings up to 6 stories; BOP, WC, commercial auto and umbrella available, with a cyber suite and EPL up to $1M (Professional Services Small Business Guide 9-A-2976, Feb 2025).

Retail — Retailers are eligible up to $30M TIV and $30M gross sales; grocery and convenience stores up to $10M each. Long class list from apparel, books and electronics to florists, hardware and jewelry. Ineligible: manufacturing, 24-hour operations, vacant buildings and premises over 66% residential (Small Business Guide 9-A-2762, Jan 2024).

Contractors — Contractors eligible up to $7.5M TIV, including HVAC, electrical, interior carpentry, residential remodeling up to 3 stories, concrete flatwork, floor covering, landscaping, masonry, painting and septic. These contractor classes are not available in New York (Small Business Guide 9-A-2762, Jan 2024).

Restaurants — Restaurants eligible up to $7.5M TIV and $10M sales: bakeries, coffee and donut shops, delis, pizza, cafes, diners and family-style restaurants, with liquor liability available in most states (sit-down restaurant classes not in New York). The BOP cyber suite adds data compromise, computer attack, cyber extortion and network security liability (Small Business Guide 9-A-2762, Jan 2024).

Wholesale — Wholesalers eligible up to $15M TIV and $20M sales. Middle market wants local distributors of low-hazard end-use goods (food, beverage, construction materials) with a defined local-to-intermediate radius and US products liability in place for importers (Small Business Guide 9-A-2762, Jan 2024; Middle Market flyer 9-A-3031, Feb 2023).

Retail — SureStep BOP preferred classes with no exclusions include clothing stores, direct selling, warehouse clubs and supercenters, and health and personal care stores. Antique and sporting goods stores are written but not if they sell guns or used protective sports gear or rent or sell motorized vehicles other than autos. Antique stores also can't sell used baby furniture or run pawn shops. Westfield writes 340 small business classes, subject to underwriting review (Small Business Spotlight page, 2026).

Offices — Accounting, tax preparation, bookkeeping and payroll services are SureStep BOP preferred classes with no exclusions. Westfield names offices, medical practices and accounting firms as growth targets and calls medical offices a key target class (Small Business Spotlight page, 2026; Growth Opportunities in Small Business, Mar 19, 2026).

Professional services — Specialized design services are written only if the firm carries professional liability for its architectural, engineering or design work. Personal care services are written, except permanent makeup. Westfield names barber shops, funeral homes, consulting firms and spas as small business service targets (Small Business Spotlight page, 2026; Growth Opportunities in Small Business, Mar 19, 2026).

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