Office, Retail, & Mercantile

Offered by Orchid Insurance

Commercial Commercial Insurance Retail Mercantile Office Business Owners Policy Monoline


Do you want to make sure your insured’s store or office is protected appropriately? Contents inside your insured’s business are susceptible to hazards such as water damage, wind damage, fire, and lightning to name a few. In addition, if your insured’s business were to suffer a loss from one of these and their business was inoperable for 3 months, does their policy include a business income limit to protect them from loss of income or profits? Orchid’s BOP product for Offices, Retail Stores, and Mercantile Shops can offer coverage to fully protect your insured in the event of a loss with deductible options and a wide range of optional coverages to cater to your insured.

Product Highlights
• Business Owners Policy and Monoline Property policy types available
• Up to $15 million per location, and $25 million per policy in coverage
• Up to $1 million / $2 million in General Liability Limits
• Includes the Orchid Premier Endorsement to enhance certain coverages such as Spoilage, Ordinance or Law, Outdoor Property, Employee Dishonesty, Water Backup, Outdoor Sign, Debris Removal, etc.
• Year of construction- 1950 and newer; 1900 in the Northeast, Charleston, & New Orleans

 Target Risks
• Offices: Medical offices, lawyers & attorney’s offices, accounting services including CPAs, veterinarian’s offices
• Mercantile: Laundry & dry-cleaning stores, printing stores, barber shops, funeral homes or chapels
• Retail: Clothing or wearing apparel stores, home improvement stores, appliance stores, pet stores

 Unique Features
• Include Wind coverage without any restriction on distance to coast
• BOP policies offered with TIV limits up to $15 million per building
• Online submission process to increase quick turn-around times

 Optional/ Additional Coverages
• Equipment Breakdown
• Ordinance or Law
• Outdoor Property
• Water Backup
• Employee Dishonesty
• Wind Driven Rain
• Hired and Non Owned Auto
• Assault & Battery*

Submitting your risk to Orchid has never been easier. Simply e-mail your commercial submissions (ACORD'S, SOV's, Supplementals, Loss Runs, etc...) to


Appointment Required

Carrier Information

Multiple Markets Available



Rating A- or Better

Rating By A.M. Best

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Offered By

Orchid Insurance

32 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


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