BOP

In response to a spike in ransomware attacks on the food and agriculture sector, the PAK Cyber Suite provides alcoholic beverage manufacturers with coverage against a full range of cyber threats.

With adverse impacts from social inflation, litigation funding and heightened safety expectations, the public entities insurance market is in a hard market with increased premiums and reduced limits.

A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.

In today’s tightening market, successful agents go beyond quoting—guiding middle-market clients to understand underwriting, improve their risk profile, and become accounts insurers want to write.

The Micro-Businessowners Coverage Form—also known as the Micro-BOP—may be a good and inexpensive answer for your smaller entrepreneurs without commercial property exposures.

“These are the people taking risks, following their dreams, and creating something special,” says independent agent Luke Hoerr. “When I help them get the right coverage, I’m not just selling insurance—I’m helping protect someone’s passion project and supporting our local economy.”

Coverage provides comprehensive commercial insurance coverage for the high-risk adventure rental sector.

The California SURE business owners policy (BOP) product is designed for small to midsized business owners in California. It is available for more than 400 business classes across eight industries.

With home-based businesses becoming more common, your homeowners clients represent an exciting new market.