LinesBOP, GL, Commercial auto, Commercial property, Cyber, Professional liability
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | 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 | BOP | Most states | 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 | BOP | Most states | Tenant-occupied habitational is one of the seven PHLYBOP categories but is not available in every state (PHLY small business BOP page, Oct 2026). |
| Real estate | Commercial property | Most states | Real Estate Schedules program writes broad form property and general liability for commercial and residential real estate schedules countrywide. Flood and earthquake are included, with $250,000 sublimits for accounts receivable, valuable papers, demolition and increased cost of construction. Submissions need a rent roll, statement of values and three years of loss runs (PHLY Commercial Real Estate Schedules product page, Oct 2026). |
| Transportation | Commercial auto | Most states | Commercial auto niches: auto daily rental and rental package, chauffeured transportation fleet operators, interim liability and physical damage around leases, lessors' contingent and excess liability, and school bus contractors serving private schools (PHLY Commercial Auto Products overview, Oct 2026). |
| Healthcare | Cyber | Most states | PHLY Cyber Security Liability is written nationwide on admitted or non-admitted paper, with eight insuring agreements including business interruption, cyber extortion and privacy liability. Published class profiles include health and fitness organizations and veterinarian practices, alongside human services, schools and religious organizations (PHLY Cyber Security Liability product page, Oct 2026). |
| Professional services | Professional liability | Most states | Cover-Pro E&O lists eligible professions including advertising agencies, management and marketing consultants, technology consultants, financial planners, claims adjusters, interior designers, property managers, medical billing, translators, travel agents and tutors. Defense costs sit outside the limit for eligible risks. Proposals need two years of financials and a sample client contract (PHLY Cover-Pro product page, Oct 2026). |
| Healthcare | GL | Most states | The Commercial Small Business Unit quotes niche package accounts at $20,000 premium or less ($30,000 for non-profit human services and driving schools), including home health care and hospice, day care centers, and health and fitness facilities. Underwriters respond in 48 to 72 hours (PHLY Commercial Small Business Unit page, Oct 2026). |
How to quote Philadelphia Insurance Companies (PHLY)
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