Commercial Lines

Our goal is to provide your small and medium size business owners with peace of mind.

See the Orchid Difference in Commercial Lines P&C

Orchid wants to be the First Choice of commercial insurance for small and medium size business owners in every coastal market. Our unique Business Owner Policies (BOP), Commercial Package Policies (CPP), and Monoline Property Policies offer exclusive features like no distance-to-coast restrictions for wind coverage. Try us today, and let Orchid be your First Choice for your commercial needs.

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Orchid Commercial Products

Business Owner Policies

Business Owner Policies (BOP)

Benefit from Orchid Insurance’s Business Owner Policies to save your insureds from purchasing separate general liability and property insurance policies for their small and medium-sized businesses.

Monoline Property Policies

Monoline Property Policies

Orchid provides Monoline Property Policies for over 400 eligible classes. Our commercial risk specialty lies in coastal markets.

Commercial Package Policies for Condos

Wind Only

Wind-Only policies cover the insured against damage from hail and/or windstorms, regardless if the damage is from a hurricane or an everyday storm. Orchid offers policies that specifically cover your client against these perils in the event of a loss. We can even include a limit for spoilage, wind driven rain, equipment breakdown, and outdoor property!

Orchid Premier Endorsement

The Orchid Premier Endorsement enhances certain coverages and adds additional coverages not otherwise included in the base form. This endorsement is tailored to each class of business and is attached to every policy.

  • Debris Removal
  • Outdoor Property
  • Business Income
  • Lock/Key Replacement
  • Tenant’s Glass
  • Employee Dishonesty
  • Outdoor Sign
  • Employee Tools
  • Utility Services – Direct Damage
  • Utility Services – Time Element
  • Fire Department Service Charge
  • Spoilage Coverage
  • Fine Arts
  • Tenant Move Back Expenses
  • Water Back Up/Sump Overflow

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Special Products

Mobile Home Parks / RV Communities

 Directors & Officers Liability

 NEW! Specialty Perils

Wind/Hail Deductible Buyback, Private Primary Flood and Excess Flood

and more coming soon!

Nathan Coomes

National Business Development Executive

All Commercial Contacts