Business Owner Policy
Product Highlights for
Agents and Brokers
Our BOP bundles property and liability coverages for
a broad number of small businesses. Our endorsement
packages allow this coverage to be tailored to the needs
of each specific business.
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Criteria Qualification
Revenue Up to $10M ($5M for Contractors)
Employees Up to 50 (15 for Contractors)
Building Coverages (Total Insured Value) Up to $1M
Business Property (Total Insured Value) Up to $500k
Bop Section I - Property Highlights:
Special Causes of Loss Form BP 00 03
Coverages Included In Coterie’s Base Policy
Additional Coverage Extensions and Limits Available (Or Coming Soon!)
Replacement Cost Valuation on Building and Business Personal Property
Accounts Receivable On/Off
Premises ($10,000/$5,000)*
Business Income from
Dependent Properties ($5,000)
Business Personal Property
Temporarily in Storage Units ($10,000)
Civil Authority (Als-4 Weeks)
Electronic Data ($10,000)
Fire Department Service
Charge ($2,500)
Fire Extinguisher Systems
Recharge Expense ($5,000)
Forgery or Alteration ($2,500)*
Bi for Web Sites
Bi Daily Limit Options
Brands and Labels
Claims Expenses
Computer Fraud
Employee Dishonesty
Equipment Breakdown
Fine Arts
Increased Limit for Contractor
Tools
Laptop Computers (Worldwide)
Off-Premises Utility Svcs. (Incl. BI)
Pairs and Sets
Restaurant Enhancement
Salespersons’ Samples
Sewer Backup/Sump Overflow
Unauthorized Business Card Use
Business Interruption (BI) on Actual Loss Sustained (ALS) Basis
Interruption of Computer
Operations ($10,000)
Money and Securities On/Off
Premises ($5,000)
Newly Acquired or Constructed
Property ($250,000)*
Outdoor Property ($2,500)*
Outdoor Signs ($1,000)*
Personal Effects ($2,500)*
Personal Property Off-Premises
or In Transit ($10,000-Does
Not Include Contractor Tools)*
Preservation of Property ($5,000)
Valuable Papers and Records
On/Off Premises ($10,000/$5,000)*
80% Coinsurance Applies
Increased Cost of Construction ($10,000)*
*Increased Limits are Available for these Coverages
Bop Section II - Liability Highlights:
Coverages Included in Coterie’s Base Policy
Additional Coverage Extensions and Limits Available (or Coming Soon!)
Limit Options
Damage to Premises Rented By You (Any One Premises) - $1,000,000
This is the most the carrier will pay for fire damage to premises rented to or temporarily
occupied by the insured.
Restaurants - Incl. Spoilage And Food Contamination
Higher Limits to Damage to Premises Rented By You
Liquor Liability
Blanket Additional Insured
Primary and Non-Contributory - Other Insurance Condition
Employment Practices Liability
Unmanned Aircraft/Drone Coverage
Hired Auto and Non-Owned Auto Liability
Waiver of Subrogation
Medical Expenses (Per Person) - $5,000
This is the most the carrier will pay, regardless of fault, to any one person for medical
expenses from accidental bodily injury caused by your business activities
Products/Completed Operations (Aggregate) – Up to $2M
This equals two times the Liability and Medical Expenses Limit and is the most the carrier
will pay within the policy period for covered bodily injury or property damage from Products
or Completed Operations hazards.
Other Than Products/Completed Operations (Aggregate) – Up to $2M
This equals two times the Liability and Medical Expenses Limit and is the most the carrier will
pay within the policy period for all other covered bodily injury, property damage or medical expenses.
Liability and Medical Expenses (Per Occurrence Limit) - Up to $1M
This is the most the carrier will pay in any one occurrence, for covered damages the
insured is legally obligated to pay, because of bodily injury, property damage, and
personal/advertising injury.
Description Available Limits
Liability and Medical Expenses $300,000/$500,000/$1,000,000
Damage to Premises Rented By You $1,000,000
Medical Expenses $5,000
Products/Completed Operations
Aggregate
2x Liability and Medical Expenses Limit
Other than Products/Completed
Operations Aggregate
2x Liability and Medical Expenses Limit
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BP 00 03 07 13 Businessowners Coverage Form (Except in Fl 01 06 Version)
BP 04 39 07 02 Abuse or Molestation Exclusion
BP 05 98 07 13 Amendment of Insured Contract Definition
BP 14 91 07 13 Amendment of Personal and Advertising Injury Definition
BP 05 01 07 02 Calculation of Premium
BP 15 32 09 19 Cannabis Exclusion (Liability)
BP 05 23 01 15 Cap on Losses From Certified Acts of Terrorism
BP 14 86 07 13 Communicable Disease Exclusion
BP 05 15 12 20 Disclosure Pursuant to Terrorism Risk Insurance Act
BP 04 17 01 10 Employment-Related Practices Exclusion
BP 15 04 05 14 Exclusion - Access or Disclosure of Confidential or Personal Information
BP 14 19 01 10 Exclusion - Damage to Work Performed by Subcontractors
BP 14 08 01 10 Exclusion - Exterior Insulation and Finish Systems
BP 05 17 01 06 Exclusion - Silica or Silica-Related Dust
BP 15 11 12 16 Exclusion - Unmanned Aircraft
BP 04 71 07 02 Exclusion - Volunteer Workers
BP 05 77 01 06 Fungi or Bacteria Exclusion (Liability)
BP 04 92 07 02 Total Pollution Exclusion
Mandatory Countrywide BOP Policy Forms
This document is intended to provide a general summary of Coterie’s products and services. The information contained in this document
is for informational purposes only and does not in any way amend, alter, or extend any policy of insurance or guarantee any specific
price, quote or coverage. For a complete understanding of the coverage available, please consult the terms, conditions, definitions, and
exclusions of your insurance policy. Please be advised that all products and coverages referenced herein may not be available in all
states or to all customers. Please see Coterie’s Terms & Conditions and Privacy Policy for more information.
