BUSINESS OWNER’S POLICY
Protecting Small Business is a Big Deal
Business owners have constant demands vying for their time and attention. Insurance doesn’t have to be one of them. With fewer parts than a commercial lines package, Central’s Business Owner’s Policy (BOP) streamlines the quoting process, making it quick and easy to quote, bind, and service eligible small businesses.
Construction
Drywall
Electrical Work
Heating & A/C
Masonry
Plumbing
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
SERVICE
Barbershops & Hair Salons
Call Centers
Funeral Homes
Laundry & Dry Cleaning
Locksmiths
Nail Salons
Printing
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
OFFICE
Accounting
Advertising Agencies
Engineers
Law Offices
Medical Offices
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
Mercantile
AC Equipment
Bakeries
Electronics
Florists
Hardware Stores
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
Wholesale
Wholesale operations specializing in distribution across different industries
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
Construction
Drywall
Electrical Work
Heating & A/C
Masonry
Plumbing
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
SERVICE
Barbershops & Hair Salons
Call Centers
Funeral Homes
Laundry & Dry Cleaning
Locksmiths
Nail Salons
Printing
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
OFFICE
Accounting
Advertising Agencies
Engineers
Law Offices
Medical Offices
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
Mercantile
AC Equipment
Bakeries
Electronics
Florists
Hardware Stores
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
Wholesale
Wholesale operations specializing in distribution across different industries
Sed ut perspiciatis unde omnis iste natus error sittam rem aperiam, eaque.
workers' compensation
Better Rates,
Complete Coverage
Writing Workers’ Compensation on Central's Business Owner’s Policy is easier than ever. With more competitive rates and support from our specialized small business team, we’re helping you grow your book and place full accounts with confidence.
HOW TO QUOTE
Small business owners juggle countless priorities. Protecting their business shouldn’t be complicated. Central’s BOP quoting process makes it quick and easy to find the right coverage for your clients. Check out the video below to see how it works.
WORKERS' COMPENSATION
Better Rates,
Complete Coverage
Writing Workers’ Compensation on Central's Business Owner’s Policy is easier than ever. With more competitive rates and support from our specialized small business team, we’re helping you grow your book and place full accounts with confidence.
24/7
NURSE HOTLINE
Central’s Nurse Hotline offers immediate triage and streamlined workplace injury reporting 24 hours a day, 365 days a year. The hotline connects employees and employers with a registered nurse who can assess employee injuries and provide medical guidance, as well as walk employers through the Workers’ Compensation claims process.
Return-to-Work
SERVICES
This program supports employee well-being and business continuity by coordinating modified duties and clear recovery plans. Central’s Claims department and risk management team will work with you and your injured employee to facilitate a cost-effective, prompt return-to-work plan.
APPETITE
Find the Perfect Fit for Your Client’s Small Business
From florists to barbers and locksmiths to lawn care, the BOP covers a wide range of small businesses. The BOP has the following eligibility guidelines. Consider our CLP policy for any risk that falls outside of these guidelines.
≤ $6M sales per location
≤ $1M contractor payroll
Now BOP-Eligible
Barbershops, Hair Salons, and Nail Salons
Our Ideal Account Characteristics
Experienced ownership
Facility and staff have appropriate licenses, training, and certifications
Services limited to hair and nails; avoid operations involving hair transplants, weight loss programs, chemical peels, electrolysis, microneedling, permanent makeup, microdermabrasion, etc.
Proper risk transfer procedures in place for chairs rented to non-employees
Employment Benefits Liability
Protects small business owners against claims alleging errors or omissions in managing employee benefits.
55-1234
BUSINESS OWNER'S PROPERTY PLUS
Enhances the standard BOP with additional coverages and, in some cases, higher limits.
55-1234
CONTRACTOR'S INSTALLATION COVERAGE
Provides all-risk coverage for property that the insured contractor installs, fabricates, or erects at a jobsite, in transit, or at a temporary storage location. Coverage applies to owned property and property of others.
55-1234
EQUIPMENT BREAKDOWN
Helps protect businesses with coverage for direct property loss, business income loss, data restoration, service interruption, off-premises equipment, and more.
55-1234
TOOLS AND EQUIPMENT
Provides all risk coverage for machinery, equipment, and mobile tools a contractor uses in their operations. Equipment and tools are covered at a jobsite or the insured’s premises.
"We developed a BOP product based on three core principles: ease of doing business, speed to market, and coverage tailored to small business owners.”
James Barto
Vice President – Commercial Lines
Pre Title
Why Central
Central's commitment to ease of doing business ensures you can quickly and easily find the right insurance for your small business clients. Our packaged, comprehensive coverage options are designed to protect what policyholders value most: their business and future.
Ready to get started?
The right coverage is just a few clicks away.
