Office, Retail & Mercantile Insurance

Do you want to make sure your insured’s store or office is protected appropriately? Contents inside your insured’s business are susceptible to hazards such as water damage, wind damage, fire, and lightning to name a few. In addition, if your insured’s business were to suffer a loss from one of these and their business was inoperable for 3 months, does their policy include a business income limit to protect them from loss of income or profits?

Orchid’s BOP product for Offices, Retail Stores, and Mercantile Shops can offer coverage to fully protect your insured in the event of a loss with deductible options and a wide range of optional coverages to cater to your insured.

Product Highlights

  • Business Owners Policy and Monoline Property policy types available
  • Up to $10 million per building, $15 million per location, and $25 million per policy in coverage
  • Up to $1 million / $2 million in General Liability Limits
  • Includes the Orchid Premier Endorsement to enhance certain coverages such as Spoilage, Ordinance or Law, Outdoor Property, Employee Dishonesty, Water Backup, Outdoor Sign, Debris Removal, etc.
  • Year of construction- 1950 and newer; 1900 in the Northeast, Charleston, & New Orleans

Target Risks

  • Offices: Medical offices, lawyers & attorney’s offices, accounting services including CPAs, veterinarian’s offices
  • Mercantile: Laundry & dry-cleaning stores, printing stores, barber shops, funeral homes or chapels
  • Retail: Clothing or wearing apparel stores, home improvement stores, appliance stores, pet stores

Unique Features

  • Include Wind coverage without any restriction on distance to coast
  • BOP policies offered with TIV limits up to $10 million per building
  • Online submission process to increase quick turn-around times

Optional/ Additional Coverages

  • Equipment Breakdown
  • Ordinance or Law
  • Outdoor Property
  • Water Backup
  • Employee Dishonesty
  • Wind Driven Rain
  • Hired and Non Owned Auto
  • Assault & Battery*

*Unavailable for Monoline Property policies

Get Appointed

As an Orchid-appointed partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid online quoting is your quickest and most convenient resource for paperless quoting and binding.