Business Owners Program

We have teamed up with Travelers Insurance Company to bring you this Small Business Owners Program. This Property and Liability program features Master Pac & Pac Plus extension endorsements and the OMNI product for businesses that qualify but require custom tailored coverage that is not offered in Master Pac or Pac Plus. Please see the Travelers Product Guide for additional information. Umbrella, Auto and Workers' Compensation coverage is also available. Please see below for more information on our Travelers Small Business Program.

  • Accounting, Auditing, Bookkeeping
  • Advertising, Graphic Artists and Commercial Art Services
  • Apartment Pac & Apartment (less than 20 years) Pac Plus
  • Bicycle Shops
  • Building Pac & Building Pac Plus
  • Business Pac & Business Pac Plus
  • Clothing Accessories - Women's & Girls
  • Condominium Pac Condominium Pac Plus
  • Consultants - Management
  • Dentists and Dental Surgeons
  • Garage Pac
  • Interior Decorators & Window Designers
  • Office Pac & Office Pac Plus
  • Physicians and Surgeons
  • Real Estate Sales
  • Store Pac & Store Pac Plus
  • Veterinarians

  • The owner must have a minimum of three (3) years management experience in the type of business being insured.
  • The business must be financially stable.
  • The business must have favorable loss experience.
  • The owner operates only those businesses described on the Master Pac application.
  • All of the known exposures/operations are considered typical (occurring in the majority) for the class.
  • Buildings insured must not be vacant, unoccupied or have a seasonal occupancy.
  • For both tenants and building owners, where buildings are 50 years or older, the plumbing, heating, wiring and roof must have been updated in the past 30 years.
  • There are no current cited violations of fire or life safety codes.
  • All operations must be listed in the Risk Classification Table, and the premium for incidental exposures should not exceed 25% of the policy premium.
  • No more than three (3) losses within the past three (3) years.
  • Current owners must have successfully operated this or a similar business for at least three (3) years. EXCEPTION: Apartment Building Owners and Condominium programs and risks that are franchises.
  • Sound financial condition.
  • Insurance to value.

  • Complete Acord forms 125, 126 and 140
  • Complete the Industry Specific Supplemental; see above for applications available for download
  • Please email your submission to or fax to 916.772.9292, Attn: BOP Department

If you have any questions, please contact our BOP Department toll free at 877.649.6682.

This information is provided as a guideline only and is subject to change with or without notice.