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OnPoint Underwriting offers specialized Booksellers Insurance through the League of Independent Book Retailer Insurance Services (LIBRIS) program. LIBRIS was created by booksellers for booksellers and is tailored to the unique risks faced by independent bookstores nationwide. Overview of the LIBRIS Program from OnPoint Underwriting As the program administrator, OnPoint Underwriting combines retail-focused underwriting expertise with practical knowledge of bookstore operations. LIBRIS delivers commercial insurance solutions built specifically for independent bookstores and book retailers, with competitive terms, responsive underwriting, and access to admitted capacity through top-rated carriers such as Great American Insurance Group. The program is designed to help agents place accounts confidently and to provide bookstore owners with reliable, bookstore-specific protection. Ideal Accounts and Appetite This program is well suited to a variety of independent bookseller models, including: New, used, or rare and collectible bookstores Bookstores with café or coffee shop components Shops that regularly host author signings, readings, classes, or other community events Retailers with on-site or limited e-commerce operations LIBRIS accommodates single-location independents as well as multi-location indies. Typical accounts include a college-town bookstore with a small café and weekly events, or a rare-book dealer needing inventory and specialized property protection. Coverage Highlights and Advantages Property and General Liability coverage tailored to bookstore exposures Inventory protection, including options for high-value and rare books Business Interruption and Extra Expense coverage to address revenue loss from covered causes Optional off-site event and exhibition coverage for book fairs and signings Available endorsements such as Cyber Liability and Employment Practices Liability (EPLI) These features help you place comprehensive programs that protect a bookstore’s stock, premises, events, and evolving retail operations. Underwriting Notes and Minimum Premiums LIBRIS is offered through admitted markets, including Great American Insurance Group, and is underwritten with an understanding of bookstore day-to-day operations. Minimum premiums start at $500, making the program accessible for smaller retail accounts. Underwriting is pragmatic and responsive—provide clear details on inventory values, event exposure, food service operations (if present), and online sales to speed placement. Territories and Availability This program is available nationwide 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 brings niche program expertise and a long-standing focus on underserved retail niches. Working with OnPoint and the LIBRIS program gives agents access to: Dedicated underwriting focused on bookseller exposures Admitted capacity through an A-rated carrier experienced in retail specialties Practical, bookstore-aware service that helps speed binding and endorsements To request a quote, contact Whitney Copp at (888) 694-8585 or [email protected]. Visit the official LIBRIS website at www.libris.org for more program background. 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 the program 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.