Businesses that may fit this online path
The application evaluates the exact work performed. Examples in this broad category include:
- Clothing and specialty retailers
- Gift, stationery, and home-goods stores
- Florists and eligible specialty food retailers
- Book, hobby, and craft stores
- Online sellers with qualifying operations
Coverage options to consider
Products and endorsements vary by eligibility, profession, state, and the application responses.
Business Owner's Policy
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
General Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Commercial Property
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Business Income
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Workers' Compensation
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Cyber Liability
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Crime Coverage
Confirm that the offered limits, deductibles, covered operations, exclusions, and effective date match the business need before purchasing.
Information to have ready
- Products sold and online versus storefront sales
- Locations, square footage, hours, and customer traffic
- Inventory, equipment, improvements, and seasonal peaks
- Employees, payroll, delivery, and vehicle use
- Security, payment systems, claims, and lease requirements
Frequently asked questions
What does a retail BOP combine?
A Business Owner's Policy commonly combines qualifying General Liability and Commercial Property protection. Offered forms, limits, deductibles, endorsements, and eligibility vary.
Can an online retailer qualify?
Some online sellers may qualify, depending on products, sourcing, revenue, inventory, locations, delivery, claims, and other underwriting factors.
Online eligibility and coverage are not guaranteed. Products, terms, pricing, effective dates, and document availability are determined during the application. Actual policy documents control.