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The flexibility of our businessowners policy coverage makes this a particularly easy product for our agents to market. Catering to the insurance needs of small businesses is one of the pillars on which our company is built. Our appointed agents can offer applicants the exact BOP coverage they need, either as a stand-alone product or in conjunction with our other lines of coverage. Being able to market a policy more flexibly enhances your ability to attract more clients, which, in turn, means higher total commissions.

To help you secure the accounts with the best potential, we have certain preferred exposures for our BOP coverage. Our preferred exposures are:

• Mercantile/retail
• Offices
• Processing and service
• Restaurants
• Wholesalers

The following exposures are generally ineligible for our BOP coverage:

• Manufacturing
• Contractors
• Hotels and motels
• Buildings with more than 25 percent vacancy
• 24-hour retail
• Seasonal operations
• New-venture habitation with 3 years experience in general management of another operation of similar type and size, convenience stores, grocery stores or restaurants with commercial cooking or liquor sales
• Businesses located in Florida

Knowing what our preferred exposures are will help you market our BOP coverage more effectively. A more targeted approach to potential accounts will help you save time while also maximizing the possibility of earning higher commissions.