BOP / Commercial Package Insurance

Comprehensive BOP / Commercial Package Insurance Solutions for Your Clients

At Superior Access Insurance Services, Inc., we offer a robust BOP (Business Owners Policy) and Commercial Package program designed to meet the complex coverage needs of small to mid-sized businesses across a wide range of industries. Our program combines broad liability and property coverage with essential core protections and valuable coverage extensions—giving your clients the peace of mind they need while helping you place accounts efficiently.

Ideal Accounts and Appetite

Our BOP and Commercial Package program has a strong appetite for hundreds of business classes. Whether your client operates a retail store, professional office, restaurant, or service-based business, we likely have a market for them. Ideal accounts include:

• Retail operations (e.g., boutiques, electronics stores, florists)
• Professional offices (e.g., law firms, accounting firms, consultants)
• Light manufacturing and wholesalers
• Personal and commercial service providers (e.g., salons, dry cleaners)
• Hospitality and food service (e.g., coffee shops, fast-casual restaurants)

We can accommodate a wide range of property values and business operations, with high limits available where needed most. For agents, this means the flexibility to place both straightforward and more complex risks.

Coverage Highlights and Advantages

Our BOP/Commercial program includes the broadest liability and property coverages in the industry, with tailored options to suit your clients’ specific exposures. Key coverage features include:

• Property Coverage – Protects buildings, contents, and inventory against covered perils.
• Business Income – Replaces lost income due to covered interruptions.
• Equipment Breakdown – Covers mechanical and electrical breakdown of essential equipment.
• Personal and Advertising Injury – Provides protection from claims like libel, slander, or copyright infringement.
• Bodily Injury and Property Damage – Covers third-party injuries or damage caused by the business.
• Medical Payments – Offers no-fault medical coverage for minor injuries on premises.
• Rented Vehicles – Optional coverage for vehicles your client rents for business use.

With key coverage extensions and the ability to tailor limits, our program helps agents address the full spectrum of client needs.

Underwriting Notes and Minimum Premiums

Minimum premiums vary depending on the class of business, location, and coverage limits. Our underwriting team works closely with agents to assess risk appropriately and provide competitive terms. We offer fast turnaround and responsive service to help you close business quickly.

Territories and Availability

This BOP/Commercial program is available in most states, including but not limited to CA, TX, NY, FL, IL, and GA. We maintain strong market access as a wholesale broker and can help you find coverage solutions in all 50 states and Washington, DC.

Why Work With Superior Access

Superior Access is a trusted wholesale broker with deep expertise in commercial lines. Our platform allows you to quote and bind efficiently, and our carrier relationships give you access to highly rated markets. Whether you’re placing a simple BOP or a more complex commercial package, we’re here to support your success with experienced underwriters and broad program availability.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.