Overview of the LIBRIS Program from OnPoint Underwriting
As a trusted program administrator, OnPoint Underwriting brings deep industry knowledge and underwriting expertise to the independent bookseller market. The LIBRIS Booksellers Insurance program offers commercial insurance solutions specifically crafted for the exposures faced by independent bookstores and book retailers. With competitive pricing, responsive service, and access to top-rated carriers, including Great American Insurance Group, this program provides reliable protection that agents and brokers can count on for their bookstore clients.
Ideal Accounts and Appetite
This program is ideal for:
- Independent bookstores (new, used, or rare booksellers)
- Book retailers with café or coffee shop components
- Stores hosting in-store events, author signings, or community programs
- Shops with online sales or limited e-commerce operations
LIBRIS is designed to accommodate a range of bookstore models, from small local shops to multi-location independents. You might have a client who runs a quaint bookstore and café in a college town or a seller of rare and collectible books—they're both a great fit for this program.
Coverage Highlights and Advantages
- Property and General Liability tailored to bookstore operations
- Coverage for inventory loss, including rare and high-value books
- Business Interruption and Extra Expense options
- Off-site event and exhibition coverage available
- Optional endorsements for cyber liability and EPLI
LIBRIS coverage is designed to match the day-to-day operations and special risks of booksellers. From protecting your client’s inventory to liability at hosted events, this program helps you deliver comprehensive protection your bookstore clients need.
Underwriting Notes and Minimum Premiums
The LIBRIS program is available through admitted markets, including Great American Insurance Group. Minimum premiums start at $500, making it an accessible solution for smaller retail operations. Underwriting is efficient and responsive, with real-world understanding of bookstore operations.
Territories and Availability
This program is available in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With OnPoint Underwriting
OnPoint Underwriting brings niche program expertise and a focus on underserved industries. With LIBRIS, you're working with a partner that truly understands the unique exposures and needs of independent booksellers. Agents and brokers benefit from:
- Dedicated underwriting and program expertise
- Access to a long-standing, bookstore-specific insurance program
- Support from an experienced team that understands your clients’ operations
Frequently Asked Questions
What types of accounts are a good fit for this program?
The LIBRIS program is ideal for independent bookstores, including those with cafés, event spaces, or online sales components.
Is this program available nationwide?
Yes, LIBRIS Booksellers Insurance is available in all 50 states and Washington, D.C.
What carriers support this program?
The program is backed by Great American Insurance Group, an A-rated carrier with experience in retail and niche markets.
What is the minimum premium for this program?
The minimum premium starts at $500, making it accessible for smaller independent retail operations.
Can this program cover special events or off-site book fairs?
Yes, optional coverage for off-site events and exhibitions is available through the LIBRIS program.
Need help placing an account? Connect with a market specialist.