Small Commercial appetite1

Businessowners

• Up to $20 million in building and business personal property
• $10 million max total insurable value per building
• Up to $20 million in total sales
• Story height less than or equal to 6 if frame, joisted masonry or noncombustible, and less than or equal to 10 if masonry noncombustible or better, unless tenant only

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible businessowners policy (BOP) quotes
• Available limits up to $1 million
• Available for the majority of target classes

Workers' Compensation

• Fewer than 50 employees
• Up to $2 million in total payroll exposure

Surety & Fidelity Bonds

• Designed to help protect professional and financial business operations from a variety of fraudulent risks, including theft and employee fraud
• Learn more about our scope of coverage

Key underwriting guidelines

• New ventures may be considered
• Architects and engineers should not be engaged in actual construction activities
• For classes outside small commercial appetite, learn about professional liability coverage available through E-Risk

Avoid

• Banks and financial institutions
• Surveying and mapping services
• Testing laboratories and services
• Research and development

Businessowners

• Up to $20 million in building and business personal property
• $5 million maximum total insurable value per building 
• Up to $20 million in total sales
• $5 million maximum sales per location

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible BOP quotes
• Available limits up to $1 million
• Available for the majority of target classes

Workers' Compensation

• Fewer than 50 employees
• Up to $2 million in total payroll exposure

Surety & Fidelity Bonds

• Designed to help protect business operations
• Most states require motor vehicle dealers to secure a bond to legally operate
• Learn more about our scope of coverage

Key underwriting guidelines

• New ventures may be considered
• Minimum Gross Sales of $250,000
• Sales of nonautomotive products or services should not exceed 10% of total receipts
• No work is allowed on high-performance vehicles, truck engines, or vehicles used in racing or competitive events; motor homes or watercraft; motorcycles, scooters or ATVs
• Towing activities should be incidental; no contract towing
• Risks should not provide rental vehicles or loaner cars to customers
• Auto body shops must have UL-approved paint booths that meet NFPA 33 standards
• Liquefied petroleum gas (LPG) filling is not eligible, but exchange is acceptable with adequate controls
• Risks should not have impoundment yards, rental operations, tire recapping operations or split-rim work

Avoid

• Car washes
• Automotive brake repair shops
• Tire dealers

Businessowners

• Up to $20 million in building and business personal property
• $10 million maximum total insurable value per building
• Up to $20 million in total sales
• $5 million maximum sales per location

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible BOP quotes
• Available limits up to $1 million
• Available for the majority of target classes

Workers' Compensation

• Fewer than 50 employees
• Up to $2 million in total payroll exposure

Key underwriting guidelines

• New ventures may be considered
• Property should occupy less than 50,000 square feet of space in the building, with the service being a majority of the occupancy; there should be less than 25,000 square feet of storage
• Barbers and beauticians should not offer services beyond normal haircutting, perms, highlighting, tinting, manicures, etc.
• Dry cleaning plants should have retail outlets and should not do a substantial amount of specialty work such as furs, high-value rugs, leathers, etc.
• Professional liability is available for funeral directors and beauticians

Avoid

• Reupholstery/furniture repair
• Association/club risks, including homeowners associations
• Day spas or other risks offering electrolysis, permanent makeup risks, tanning, acupuncture, piercing, tattooing, waxing or other similar services
• Medical spas

Businessowners

• Up to $20 million in building and business personal property
• $10 million maximum total insurable value per building
• Up to $20 million in total sales
• $5 million maximum sales per location

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible BOP quotes
• Available limits up to $1 million
• Available for the majority of target classes

Workers' Compensation

• Fewer than 50 employees
• Up to $2 million in total payroll exposure

Key underwriting guidelines

• New ventures may be considered
• Veterinarians should not provide services for animals involved with racing, and should not specialize in 24-hour emergency surgery or in exotic or high-value livestock or animals

Avoid

• Veterinarians who are not principally engaged in the operation of a veterinary office, clinic or hospital
• Veterinarians providing services for animals involved with racing, or who specialize in 24-hour emergency surgery or in exotic or high-value livestock or animals
• Workers’ Compensation for veterinarians working on large non-household animals
• Pet breeding
• Animal shelters

Businessowners

• Up to $20 million in building and business personal property
• Up to $20 million in total sales
• $5 million max sales per location
• 25,000 maximum square footage for a retail building

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible BOP quotes
• Available limits up to $1 million
• Available for the majority of target classes

Workers' Compensation

• Fewer than 50 employees
• Up to $2 million in total payroll exposure

Surety & Fidelity Bonds

• We offer multiple bond solutions, which are designed to help protect business operations against financial liability
• Learn more about our scope of coverage

Key underwriting guidelines

• New ventures may be considered
• Risks may include storage facilities in a separate building owned by the insured, which are incidental to an eligible retail risk and do not exceed 25,000 square feet
• Risks should operate from a retail location and not primarily act as a contractor
• Occupancies with a high exposure to business personal property theft must have a central station security alarm system
• Operations should not have more than 10% of receipts derived from rental of personal property and should not have more than 5% of receipts derived from sales of used merchandise
• Florists should not grow stock for sale by others, employ landscape gardeners or designers, operate greenhouses or care for live plants away from the insured location

Avoid

• Tire dealers
• Convenience stores
• Grocery stores
• Liquor stores

Businessowners

• Up to $20 million in building and business personal property
• $10 million maximum total insurable value per building
• Up to $20 million in total sales
• Story height less than or equal to 6 if frame, joisted masonry or noncombustible, and less than or equal to 10 if masonry noncombustible or better, unless tenant only

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible BOP quotes
• Available limits up to $1 million
• Available for the majority of target classes (may be ineligible in certain states)

Workers' Compensation

• Fewer than 50 employees
• Up to $2 million in total payroll exposure

Surety & Fidelity Bonds

• Designed to help protect business operations against the risk of fraud and employee dishonesty, and to help ensure the patients receive quality products and services
• Learn more about our scope of coverage

Key underwriting guidelines

• New ventures may be considered
• Buildings should be occupied principally for office purposes
• Professional liability is not available

Avoid

• Mental health and substance abuse centers
• Surgery centers
• Pathology laboratories
• Ophthalmologists

Businessowners

• Up to $20 million in building and business personal property 
• $10 million max TIV per building 
• Up to $20 million in total sales 
• $5 million max sales per location 
• HAB is 1-4 family dwellings

Commercial Auto

• Fewer than 20 power units

Cyber Liability and Employment Practices Liability

• Automatically offered on all eligible BOP quotes 
• Available limits up to $1 million 
• Available for the majority of target classes

Workers' Compensation

• Fewer than 50 employees 
• Up to $2 million in total payroll exposure 

Surety & Fidelity Bonds

• Designed to help protect operations by supporting licensing and regulatory requirements for brokers, agents and property managers 
• Learn more about our scope of coverage

Key underwriting guidelines

Habitational

• Building updates required for dwellings 50 years of age and older 
• Age of building guidelines for apartments, condos and townhome associations 
  • Frame and joisted masonry construction 
  • 1-25 years if unsprinklered 
  • 26-50 if sprinklered 
  • Noncombustible and better construction 
  • 1 -50 years whether sprinklered or unsprinklered 
  • Proof of updates will be required if outside building age guidelines

Lessors Risk

• Strip Malls are ineligible. The following are not considered strip malls and may be eligible:
  • Single or two-tenant buildings 
  • Stand-alone office buildings with shared reception areas but no retail 
  • Business parks with separate structures and no shared customer traffic
• Avoid Lessors Risks with combined habitational and full cooking restaurant occupancies 
• Restaurant tenants in buildings 50+ years of age are ineligible for Lessors Risks