Business Owners Policy (BOP)

Appointed AmTrust agents are able to market a BOP policy that is specifically geared to the needs of individual policyholders.

BOP coverage can be marketed as a stand-alone product or as a complement to our other products.

Broad eligibility makes marketing our Business Owners Policy coverage extremely easy.

Discounts for targeted classes help agents more effectively promote our BOP coverage when packaged with workers’ compensation.

Benefits for Agents

The flexibility of our business owners policy coverage makes this a particularly easy product for our agents to market. Catering to the insurance needs of small businesses is one of the pillars on which our company is built. Our appointed agents can offer applicants the exact BOP coverage they need, either as a stand-alone product or in conjunction with our other lines of coverage. Being able to market a policy more flexibly enhances your ability to attract more clients, which, in turn, means higher total commissions.

Preferred Exposures

To help you secure the accounts with the best potential, we have certain preferred exposures for our BOP coverage. Our preferred exposures are:

  • Mercantile/retail
  • Offices
  • Processing and service
  • Restaurants
  • Wholesalers

The following exposures are generally ineligible for our BOP coverage:

  • Manufacturing
  • Contractors
  • Hotels and motels
  • Buildings with more than 25 percent vacancy
  • 24-hour retail
  • Seasonal operations
  • New-venture habitation with 3 years experience in general management of another operation of similar type and size, convenience stores, grocery stores or restaurants with commercial cooking or liquor sales
  • Businesses located in Florida

Knowing what our preferred exposures are will help you market our BOP coverage more effectively. A more targeted approach to potential accounts will help you save time while also maximizing the possibility of earning higher commissions.


A Flexible Product

Our BOP coverage is a flexible policy that can be customized to fit individual policyholders' needs. We offer extensive coverage enhancements, for example, to help your insureds when the need for more coverage arises. We can also tailor our BOP policy to address specific risks, such as with our Employment Practices Liability Insurance. Additionally, we make it possible for BOP coverage to be bought as an add-on to our workers' compensation insurance or commercial auto products insurance.

We also offer umbrella coverage ranging from $1 million to $5 million to address the needs of policyholders of various sizes. As an AmTrust agent, having a product that is flexible helps you meet the needs of policyholders more effectively. Even better, as an appointed agent you will have access to AmTrust's online system, allowing you to give potential clients a decision on their application quickly and easily.


Discounts and Affordability

Our BOP product not only provides flexible and extensive coverage, it is also highly affordable. For many small business owners, one of the most attractive qualities of our BOP line of coverage is its affordability. Not only are our premiums highly competitive, but we also offer discounts for clients in targeted classes when paired with workers’ compensation. For workers' compensation policyholders, we offer a 10% discount on AmTrust BOP coverage. For our agents, these discounts are major selling points that can help you more effectively attract new policyholders.

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