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If you’re looking to grow your commercial book, understanding what Business Owners Policies (BOPs) you can write is a huge advantage.
Based on our latest appetite guide , we can write a wide range of BOP classes across contractors, retail, restaurants, professional offices, medical, and more.
This blog breaks it down so you can identify opportunities fast and close more business.
🔑 What Is a BOP (Business Owners Policy)?
A BOP bundles:
- General Liability
- Property Insurance
- Business Interruption
👉 It’s designed for small to mid-sized businesses and is one of the easiest ways to write profitable commercial accounts.
🛠️ 1. Contractor BOP Classes (High Opportunity)
We can write a wide range of low-to-mid hazard contractors, including:
Common Trades:
- Electricians
- HVAC installation & repair
- Plumbing (residential & light commercial)
- Drywall & carpentry
- Painting & paper hanging
- Flooring installation
- Landscaping & lawn sprinkler systems
- Janitorial & cleaning services
👉 These are some of the highest volume, referral-driven classes in Orange County.
📌 Example from appetite guide (pages 1–2):
- Electrical wiring (238210)
- HVAC contractors (238220)
- Painting (238320)
🏬 2. Retail BOP Classes (Mass Market)
Retail is one of the largest BOP categories.
Eligible Retail Risks:
- Clothing stores
- Jewelry stores (costume & specialty)
- Furniture stores
- Gift shops & novelty stores
- Electronics & computer stores
- Pet supply stores
- Beauty supply stores
- Hardware & tool stores
📌 Example classes (pages 7–9):
- Clothing stores (458110)
- Jewelry stores (458310)
- Home furnishing stores (449129)
👉 These are easy to quote + fast to bind.
🍽️ 3. Restaurant BOP Classes (Huge Market)
Restaurants are a core BOP segment with many sub-classes.
We Can Write:
Quick Service:
- Coffee shops
- Juice bars
- Donut shops
- Sandwich shops
- Pizza shops
Full Service:
- Casual dining
- Family restaurants
- Fine dining
- Wine bars
📌 From appetite guide (pages 6–7):
- Fast casual restaurants (722513)
- Full-service restaurants (722511)
👉 Great cross-sell: workers comp + EPLI + liquor liability
🏥 4. Medical Office BOP Classes
We can write a wide range of low-risk medical offices.
Examples:
- Chiropractors
- Dentists
- Dermatologists
- General practitioners
- Physical therapists
- Mental health therapists
- Nutritionists
📌 From appetite guide (pages 3–4):
- Medical clinics (621111)
- Chiropractors (621310)
- Therapists (621330)
👉 Important: Professional liability is typically separate.
đź’‡ 5. Personal Care Businesses
Very popular and easy to close.
Eligible Classes:
- Hair salons
- Nail salons
- Barber shops
- Massage therapists
đź“Ś From appetite guide (page 4):
- Nail salons (812113)
- Beauty parlors (812112)
👉 High retention + referral heavy business.
🧠6. Professional Office BOP Classes
Low-risk, clean business—great for stable books.
Examples:
- Insurance agencies
- Real estate offices
- Mortgage brokers
- Accountants & CPAs
- Financial planners
- Attorneys
- Marketing & advertising agencies
📌 From appetite guide (pages 4–5):
- Insurance agents (524210)
- Real estate agents (531210)
- Financial planning (523940)
📦 7. Distribution & Wholesale
Great for larger premium accounts.
Eligible Businesses:
- Auto parts distributors
- Beauty supply distributors
- Clothing distributors
- HVAC equipment distributors
- Food & beverage distributors
📌 From appetite guide (page 2–3):
- Appliance distributors (423620)
- Food distributors (424410)
🏪 8. Food & Beverage Retail
Another strong niche.
Examples:
- Grocery stores
- Liquor stores
- Bakeries
- Meat & seafood markets
- Health food stores
đź“Ś From appetite guide (page 9):
- Grocery stores (445110)
- Liquor stores (445310)
🔧 9. Service-Based Businesses
Often overlooked—but very profitable.
Examples:
- Locksmiths
- Printing companies
- Photographers
- Tailors
- Copy centers
- Mailing services
đź“Ś From appetite guide (page 9):
- Locksmiths (561622)
- Printing (323111)
🏛️ 10. Specialty & Human Services (Expanded Appetite)
Includes:
- Churches & religious organizations
- Daycares & preschools
- Nonprofits
- Museums & art galleries
- Senior centers
đź“Ś From appetite guide (page 10):
- Child daycare (624410)
- Religious organizations (813110)