Flagship Businessowners Program (BOP)

The first thing any business owner should own.

No two businesses are alike, but many small businesses have common insurance needs. If you have a small business, our Businessowner Program (BOP) offers broad business insurance protection for buildings, business personal property, public liability, lost income, equipment breakdown, crime, and some professional liability.

A standard Arbella businessowner insurance policy can be tailored for your business, including protection for Employment Practices Liability, as well as Data Breach to guard against sensitive data loss.

No matter which coverage you need, your businessowners policy comes with Arbella’s excellent claims service. We understand the unique issues facing the businesses in our communities because we live here too. We’re efficient, responsive, and we’re here for you 24/7—so you can get back to business faster.

Enhanced business insurance

Safe Harbor plus endorsement

This form expands protection with additional limits for money and securities, outdoor property, valuable papers, fine arts, and more at no additional cost.

  • $500,000 newly acquired or constructed property
  • $10,000 water back up of sewers and drains
  • Equipment breakdown

Spotlight endorsements

Our spotlight endorsement offers additional coverages and higher limits than the Flagship Businessowners policy and Safe Harbor endorsement at a minimal charge, and are designed to meet the specific insurance needs of condominiums, restaurants, commercial real estate, wholesalers, service businesses, and bed & breakfast. Here is a sample of the offerings by class:

Restaurant owners endorsement

  • $50,000 spoilage of refrigerated/frozen foods
  • $5,000 credit card forgery
  • $25,000 employee dishonesty

Bed & Breakfast endorsement

  • $1,000 per guest inconvenience expense
  • $5,000 credit card forgery
  • $10,000 money and securities coverage

Wholesalers and distributors endorsement

  • $50,000 perishable stock damage
  • $50,000 pollution cleanup
  • $50,000 property in transit

Other spotlight endorsements

  • Condominiums
  • Commercial real estate owners
  • Service businesses

Artisan Contractors Program

A popular offering for small business is the Artisan Contractors Program, for building and trade contractors with less than $1 million in receipts and less than $500,000 payroll. You’ll be protected from public liability for your operations and from the actions of subcontractors.

Additional endorsements that can be added to the program include:

  • Special small business insurance coverage for contractors—provides additional limits and coverage, including installation and unscheduled tools
    • Up to $25,000 for tools
    • Up to $50,000 for property lost or damaged at a job site