The Herbert H. Landy Insurance Agency, Inc. offers a focused Business Owner Packages (BOP) program built for independent agents placing small and mid-sized businesses—especially professional and office-based accounts such as real estate agents, consultants, attorneys, and accountants. This program bundles property and liability coverages into a single, streamlined policy to simplify placement while delivering broad protection for routine and professional exposures.
Ideal Accounts and Appetite
This BOP is a strong option when you need broad, affordable protection for businesses that are primarily office- or home-based. Typical fits include:
- Home-based businesses needing low-cost, reliable liability and property limits
- Professional offices (real estate brokers/agents, consultants, accountants, lawyers, etc.)
- Small service firms and administrative operations working from leased or multiple locations
Generally, the program favors low-to-moderate hazard office exposures. Higher-hazard classes (heavy manufacturing, high-hazard contractors, habitational risks with multiple families, or accounts with substantial liquor operations) will typically fall outside appetite.
Agent-friendly example accounts
- A solo real estate agent who works from a home office and needs on- and off-premises liability for client showings and blanket business personal property coverage.
- A small advisory firm with two locations seeking full replacement cost building coverage, business income, and an excess limit option to protect against large liability losses.
Coverage Highlights and Advantages
The program provides two main policy forms so you can match coverage to the client’s operations and budget:
- Home-Based Business Policy – Entry-level option starting at $150; includes Bodily Injury, Property Damage, and business property protection that extends to secondary locations and off-site work.
- Business Office Liability Policy – Broader professional office form starting at $500; adds coverages such as Employee Dishonesty, Business Interruption, and Hired/Non-Owned Auto.
Property coverage highlights
- Full replacement cost with no coinsurance
- Business income and extra expense—up to 12 months with no waiting period
- Newly acquired property—limits up to $1,000,000 (building) and $500,000 (business personal property)
- Blanket limits for valuable papers, accounts receivable, and fine arts—available up to $250,000
- Protection for computers, electronic data, and cyber-related losses
- Optional enhancements: water backup, utility services, and equipment breakdown
Liability coverage highlights
- On- and off-premises liability—including client property showings and off-site services
- Medical payments ($10,000 limit)
- Damage to premises rented to you ($1,000,000 limit with expanded peril options)
- Blanket additional insureds and waiver of subrogation options
- Optional coverages: Employee Benefits Liability and Employment Practices Liability
Excess and Workers’ Compensation
- Excess liability available up to $5 million (follow-form)
- Workers’ Compensation available with competitive rates and online premium audit
Underwriting Notes and Minimum Premiums
Underwriting is designed for quick placement of routine office and home-based risks. Premium entry points are accessible—home-based policies can start at $150 and business office policies at $500—while optional endorsements let you tailor limits and coverages for expanding accounts. Address details, payroll, revenue, and prior loss history remain key determinants for pricing and acceptability.
Territories and Availability
This BOP program is available in all 50 states and DC and is written on an admitted basis through RLI Professional Services Group. That admitted positioning helps with regulatory compliance and appeals to clients that prefer admitted paper.
Why Work With The Herbert H. Landy Insurance Agency?
The Herbert H. Landy Insurance Agency brings decades of experience placing professional and small business risks. As an MGA, Landy provides agents nationwide with admitted access to RLI Professional Services Group, efficient underwriting, and optional endorsements that make it easier to keep clients protected as they grow. If you manage professional office portfolios or home-based businesses, Landy’s BOP program is a practical market to consider.
Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this BOP program?
This program is ideal for home-based businesses, professional offices (such as attorneys, accountants, consultants, and real estate professionals), and other small to mid-sized businesses that need bundled property and liability coverage.
Are optional endorsements available to customize coverage?
Yes. Endorsements such as Employee Benefits Liability, Employment Practices Liability, increased property limits, and other enhancements are available to tailor the policy to client needs.
What is the minimum premium for this program?
Premiums start at $150 for home-based business policies and $500 for business office policies, providing an affordable entry point for smaller accounts. Final premium depends on class, limits, payroll, and loss history.
Is this program available in all states?
Yes. The program is offered in all 50 states and DC on an admitted basis through RLI Professional Services Group.
Who is the carrier behind this program?
Policies are written on an admitted basis by RLI Professional Services Group, giving agents access to admitted paper and broader regulatory compliance.
Need help placing an account? Connect with a market specialist.