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...ency, Inc. offers a comprehensive Bakery Insurance program designed to meet th...tes is this program available in?The Bakery Insurance program is available in ...

... Scenarios You have a regional bakery producing packaged breads and pastrie...

...ity or liquor legal protection. Bakery, deli and takeout operations with typ...

...t Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenie...y see as an agent: A neighborhood bakery with property, general liability a...

... You might have a regional bakery with centralized safety procedures an...

...ers, processors and distributors (bakery goods, meat/seafood/poultry, growers)... Auto industry component parts Bakery goods Component parts manufact...

BTIS – Builders & Tradesmens Insurance Services, Inc. offers a fast, easy solution for placing small, single-location businesses through its Small Main Street BOP program. Built for independent agents who need reliable markets for lower-premium commercial accounts, this program delivers broad BOP coverage, flexible options (including commercial auto, inland marine and workers’ compensation), competitive pricing, and a straightforward online rater. Use the BOP Rater for instant indications and quick binds so you can serve retail and professional clients with minimal paperwork. Ideal Accounts and Appetite This BOP program is tailored to main-street businesses operating from a single location. Strong fits include: Retail bakeries and specialty food shops Florists Coffee shops and small cafés Medical and dental offices (low-risk specialties) Law and accounting offices Small tech, web design, and creative firms Veterinary clinics (non-surgical/local) Other small professional and retail classes Generally best for stable, single-location risks with straightforward operations and clean loss histories. Accounts with high hazard operations, multiple locations, habitational exposures, or significant liquor/liability exposures may be outside the appetite. Coverage Highlights and Advantages Admitted carriers rated A XV by A.M. Best Minimum premiums starting at approximately $350–$400 Available add-ons: Commercial Auto, Inland Marine, Workers' Compensation, and other coverages Competitive commission on ratable classes through the BOP Rater Instant price indications—no ACORD applications required for initial indications No production quotas, membership, or broker fees The program is designed to let you quote, bind, and issue lower-premium BOP accounts quickly while still offering admitted paper where available. Underwriting Notes and Minimum Premiums Underwriting emphasizes speed and simplicity. The BOP Rater provides immediate indications for many common classes, reducing the need for full ACORD applications during initial quoting. Minimum premiums generally fall in the $350–$400 range depending on class and location. Expect routine eligibility questions about prior losses, business operations, and property condition for binding. Territories and Availability Available in the vast majority of the continental U.S.: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With BTIS? BTIS is a managing general agency focused on agent-first service, fast turnaround, and practical rating tools. The Small Main Street BOP program gives you access to admitted, highly rated carriers without production strings or membership fees. Whether you need a quick indication for a corner coffee shop or a bundled package for a small professional office, BTIS’s platform is built to move lower-premium commercial business from quote to bind efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Single-location small businesses such as coffee shops, florists, medical or law offices, and small tech firms are ideal candidates for the Small Main Street BOP program. Is the program available in all states?The program is available in most of the continental U.S., including over 45 states and Washington, DC; availability can vary by class and carrier. What is the minimum premium?Minimum premiums typically range from about $350 to $400, depending on the class and the insured’s location. Do I need to submit ACORD forms to get a quote?No—initial pricing is available instantly through the BTIS BOP Rater without submitting ACORD applications. Full applications may be required to bind certain coverages. Are there production requirements or fees for agents?No. There are no production quotas, membership, or broker fees associated with this program. Need help placing an account? Connect with a market specialist.

...e fits: You might have a regional bakery with a 1.8 X-Mod and recurring should...

...al accounts and target classes Bakery — wholesale and retail, including dou...

Restaurant Insurance Program — Prime Insurance Company Eating at a restaurant should be an enjoyable experience: great food, a comfortable atmosphere, and attentive service. Unfortunately, accidents and property loss can happen — from foodborne illness and slips and falls to kitchen fires — and those events can quickly create significant financial exposure for your client. Know the Facts Between 2010 – 2014 there is an average of 7,410 kitchen fires reported to U.S. fire departments Slips and falls are the number 1 cause of accidents 38% of cooking equipment and 21% of electrical distribution are the top causes of property damage in restaurants Program Overview Prime Insurance Company offers a tailored Restaurant Insurance program designed for agents placing dining risks. We underwrite accounts by reviewing operations, loss history, and management practices to deliver an all-in-one policy that fits the client’s exposure. The program stacks common commercial coverages so you can place property, liability and ancillary exposures through a single market. Insurance Coverages Available Commercial Property Insurance Commercial General Liability Insurance Commercial Umbrella Insurance Commercial Auto Insurance *Not available in NY Liquor Liability *Please note that we do not offer workers compensation. Ideal Accounts and Appetite This program is built for a wide range of restaurant operations. Good fits typically include: Independent full-service restaurants and bistros Fast-casual concepts and cafes Small to mid-size bars and taverns (liquor liability available) Limited-service bakeries and catering operations Prime Insurance will consider new and established operations, including accounts with prior losses — underwriting is experience and operations driven. Accounts with large national scale, significant manufacturing, or complex multi-state payroll structures may require alternate placement or a specialized program. Coverage Highlights and Advantages Combined placement approach simplifies quoting and policy administration for property, liability and umbrella limits. Liquor liability options for establishments that serve alcohol. Commercial auto available for delivery and company vehicles (except NY). Underwriting that focuses on operational controls—kitchen suppression, employee training, food handling procedures, and premises maintenance—which can improve placement opportunities. Underwriting Notes When submitting, include clear details about operations and risk controls to speed evaluation: hours of operation, cooking equipment and suppression systems, percentage of alcohol sales, delivery operations or use of autos, annual revenues, payroll, and five-year loss history. Prime Insurance emphasizes operational detail and demonstrated risk management when assessing eligibility. Remember: workers compensation is not offered through this program. Territories and Availability This Restaurant Insurance program is available through Prime Insurance Company in the following territories: 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, DC, WV, WI, WY. Why Work With Prime Insurance Company on Restaurant Business Focused underwriting for hospitality exposures and practical risk assessment. Flexible placement for common restaurant needs—property, GL, umbrella, auto and liquor liability—in one program. Experience in handling accounts with prior losses and varying management experience. Dedicated service for brokers who need clear expectations and tailored coverage terms. Example Accounts You Might Place You have a client who runs a 60-seat full-service bistro with a full kitchen, fire suppression, and modest liquor sales — Prime can quote property, GL and liquor liability together. You represent a fast-casual chain with delivery vehicles — the program can combine GL, property and commercial auto (check NY availability for auto) and consider umbrella limits. Prime Insurance’s restaurant team is available to review submissions and help structure terms that align with the account’s operations and risk profile. We work with agents to identify appropriate limits and coverages that reduce the chance of coverage gaps while keeping placement efficient. Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Independent full-service restaurants, fast-casual concepts, cafes, bakeries, and small bars/taverns are typically a good fit. The program evaluates operations, safety controls, and loss history to determine eligibility. Is liquor liability available?Yes. Liquor liability can be included for establishments that sell or serve alcohol; underwriting will consider hours of service, alcohol sales percentage, and management controls. Do you offer commercial auto and is it available in every state?Commercial auto is available through this program but is not available in New York. Confirm auto availability on a per-submission basis and include vehicle use and driver information with the submission. What underwriting information speeds placement?Provide operations detail (menu and cooking methods), fire suppression details, percentage of alcohol sales, delivery operations, revenues, payroll, and a recent loss run. Detailed submissions help underwriters provide faster, more accurate terms. Need help placing an account? Connect with a market specialist.