Admitted Business Owner Policy

Offered by Orchid Insurance

Admitted BOPs BOP Restaurants Officers Contractors Mercantile Retail Lessor's Risk


Orchid Insurance offers Business Owner’s Policies (BOPs) to provide commercial liability and property protection for businesses, which can include the building and/or personal property. Business income can also be covered, should the business become inoperable under a protected loss.

BOPs written by Orchid can be customized to bundle various insurance coverages to fit an industry’s unique needs. For example, a restaurant policy may include coverage for spoilage and liquor liability, while a homeowner’s association may be insured against physical damage to shared spaces and general liability if a guest is hurt in communal areas. Orchid BOPS are offered for:

  • Restaurants
  • Offices
  • Contractors
  • Lessor’s Risk
  • Mercantile
  • Retail

Product Guidelines

  • Admitted Paper
  • A.M. Best A Rated Carrier
  • Available in 45 states
  • Inland and coastal capacity
  • Flat wind deductibles in many areas
  • Excess Liability offered on all eligible BOPs
  • Liquor Liability offered on restaurant exposures

Optional Coverages

  • Excess Liability
  • Equipment Breakdown
  • Ordinance or Law
  • Additional Debris Removal
  • Employee Benefits Liability
  • Employee Related Practices Liability
  • Data Response & Cyber Liability


Appointment Required

Carrier Information

Multiple Markets Available



Rating A- or Better

Rating By A.M. Best

Listing Contact

Marketing Department

Offered By

Orchid Insurance

40 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


Not Covered

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