BOP
Small Commercial BOPs that Are Faster, Simpler, and Hassle-Freer
Your small commercial clients have a home at Attune. We’re an admitted small commercial market built to get business off your desk and on the books, pronto. A business owners policy bundles together basic required coverages so you can offer your customers a lower premium.
Looking for customizable and comprehensive coverage options? Here is a partial summary – for complete details check out a sample policy or contact our Customer Care Team:
- Businessowners Policy - Property or General Liability
- Crime
- Employee benefits liability
- Employment-related practices liability
- Data response and cyber liability coverage
- Liquor liability coverage
- Food contamination
- Equipment breakdown coverage
- Terrorism coverage
Appetite
Our BOP offers an expanded appetite with the speed and simplicity you’ll only find in our portal. Get access to more coverages for 480 small business commercial classes, including:
Features
Quick Edit in Real Time
Make quick edits to an existing quote and see real-time updates. So you can close more business, faster.
Stop Gap
Stop Gap coverage extends the General Liability policy to provide a form of employers liability insurance for risks operating in monopolistic states, protecting business owners from lawsuits filed over workplace injuries.
- Available in the monopolistic states of North Dakota, Ohio, Wyoming
- Will be available in the state of Washington once we launch the program
- Stop Gap provides coverage for legal fees that may be incurred when there’s a loss covered by the state-funded plan, which doesn’t cover legal fees for employers
- Select the coverage in the quote flow and have it already included and priced in the quote
Hired and Non-Owned Auto (HNOA) for Select Restaurant Codes
- Available for risks domiciled in PA, OH, OK, KS, NV, AZ, CO
- Can be added on new business in the quote flow and on renewals by request to our Care team
- Subject to questions that will be asked at the time of quote
Automatic AI
- Attune’s Businessowners’ Policy will now automatically include our proprietary form B10 1 01 ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT to every policy sold
- Available in all BOP eligible states (Exception: risks domiciled in New York)
- Able to be removed upon request by our customer care team
Highlights
- Available in all states (and DC) except for Hawaii, Alaska, Minnesota and Washington State
- New ventures are eligible
- No limits on number of employees
- Loss history: max three claims in the past five years, total incurred less than $20,000 (CAT claims are excluded from this qualifier)
- $9.5M Total Insured Value (TIV) for the entire account and $4.75M per location TIV (dependent on location)
- 100% insurance to Value (ITV) required for building and business personal property coverage (estimator available in the portal to assist on proper ITV evaluation)
- The maximum floor area per location is limited to 10,000 square feet for restaurants and 50,000 square feet for all other classifications
Coverage by state
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What customers say
Real protection from real businesses
Frequently Asked Questions
Find answers to commonly asked questions about
BOP
A Businessowners' Policy (BOP) is a bundled insurance package, whereas general liability is a standalone coverage line. While standard general liability insurance specifically shields your company from the third-party financial risks of bodily injuries and accidental property damage, BOP bundles that exact liability protection with essential commercial property and business interruption insurance under a single plan. Choosing BOP helps you efficiently repair or replace specialized gear, tools and inventory after covered losses like fires, theft or severe storms.
Commercial insurance rates through EverPeak start as low as $18 per month. Your exact monthly premium is calculated based on several risk factors, including your industry classification, total employee headcount, physical location of operations and your chosen coverage limits. Connecting directly with an agent allows you to obtain a customized quote tailored to your business needs.
State regulatory frameworks legally mandate specific business insurance coverages depending primarily on your employee count, industry classification and physical location. For example, if you hire part-time, full-time, or seasonal employees, most states require you to maintain active workers' compensation insurance to cover on-the-job injuries. Other protections, like general liability, are routinely required by commercial landlords before executing a lease or by clients before signing work contracts.
Ready to get protected?
Get a quote for the coverage you need today.