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Business Owners Policy

Day-to-day work exposes small businesses to hundreds of risks. Often without them realizing it. We’re here to help protect these businesses from potentially devastating exposures, so they can focus and thrive on what they do best.

Big protection for small businesses

Whether it’s an employee getting injured at work, key equipment being stolen or even a building burning down, small businesses need reliable coverage for property, liability and business income risks.

Without it, the financial consequences could be devastating.

The Business Owners Policy options available on Victor for Agents provide a buffer with generous limits up to $10 million in property, coverage for multiple locations, protection for brand new ventures and more.

Note: This coverage is offered to agents/brokers through our Victor for Agents platform. The platform underwrites policies based on specific carrier terms and conditions, providing multiple quotes generated from a single application process.

Victory awaits with Victor Rewards!

To thank you for using our small business platform, Victor for Agents, you can now earn rewards with Victor Rewards!

By quoting and binding policies on Victor for Agents, you will get the chance to play a game and earn rewards that can be redeemed for gift cards (or charitable contribution) of your choice. 

*Victor Rewards is currently only available for lines of business quoted and bound on Victor for Agents. 

  • Compare quotes from multiple lines of business: CNA, Coterie, Hiscox, Homesite
  • E&S quotes through Joyn may be available if ineligible in our admitted markets
  • Available nationwide
  • Minimum premium $500
  • Up to 50 employees
  • Up to $10M in sales ($30M for some classes)
  • Up to $1M in payroll
  • Limits up to $10M in total insured property (depending on class)
  • Multi-location available
  • New ventures welcome
  • Optional cyber, liquor and professional liability endorsements
  • Umbrella indication available with CNA BOP quote

Download the Business Owners Policy highlight sheet

  • Artisan contractors
  • Barber shops, beauty & nail salons
  • Offices (including medical)
  • Pet services
  • Professional services
  • Property management
  • Restaurants and food trucks
  • Retail stores
  • Small manufacturing
  • Wholesale & distributors

*E&S quotes available for some classes

Download the full list of eligible BOP classes

Download the full E&S appetite

Quote, bind and issue admitted policies for your small commercial clients in minutes. Choose from multiple quotes from multiple A rated providers. 

Features include: 

  • Single data entry
  • Payment plans available*
  • EFT/direct bill to the client
  • Automatic renewals
  • No annual fees
  • No broker fee
  • Pre-filled ACORD apps
  • Online payments through portal*
  • Online chat for tech support and quoting help

*varies by carrier

Contact the Victor for Agents team directly at or connect with your business development contact.

Small business hightlight: Plumbers

With our small business portal, Victor for Agents, you can get a quote for a business owners policy, cyber, general liability and/or workers comp all at the same time. 

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.


Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.