E&S Business Owner Policy

Offered by Orchid Insurance

BOPs Lessor's Risk Restaurants Self Storage Hotels Homeowners Associations (HOAs) Habitational


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

Customized BOPs from Orchid 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:

  • Office, Retail, & Mercantile
  • Habitational
  • Lessor’s Risk
  • Self-Storage Facilities
  • Hotel
  • Homeowner’s Associations

Product Features

  • Up to $15 million per location, $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
  • Include Wind coverage without any restriction on distance to coast

Optional Coverages

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


Has Pen

Appointment Required

Carrier Information

Multiple Markets Available


Rating A- or Better

Rating By A.M. Best

Listing Contact

Marketing Department

Offered By

Orchid Insurance

32 listings in 50 states + DC

View Company

Availability 16 states

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

Share This Listing

Contact This Company