Non-Admitted Business Owner's Policy (BOP)

Tailored Coverage for Diverse Small Businesses

Tailored Coverage for Diverse Small Businesses

XRISK offers competitive and flexible non-admitted Business Owner's Policies (BOPs) designed to protect a wide range of small to medium-sized businesses against core property and liability perils. We understand that small businesses are the lifeblood of our communities, and we provide tailored insurance solutions to meet their unique needs, even for harder-to-place risks.

Program Highlights

  • Basis: Non-admitted
  • Property TIV: Suitable for businesses with $5M+ in Total Insurable Value (TIV).
  • General Liability Limits: Standard limits of $1M per occurrence / $2M aggregate.
  • Flexibility: Competitive and adaptable coverages.
  • Broad Appetite: Policies available for hundreds of business classes.

Why Choose XRISK for Non-Admitted BOP?

Our non-admitted BOP solutions provide essential protection for businesses that may not fit standard admitted market guidelines. We offer:

  • Comprehensive Protection: Combines key property and liability coverages into a single policy.
  • Expertise: Deep understanding of the unique risks faced by diverse business classes.
  • Market Access: Connections to specialized markets for non-admitted risks.

Industries We Serve (Partial List)

We cater to a vast array of industries, including but not limited to:

  • Professional Services: Accounting, Law Offices, Advertising, Architects
  • Services: Photography, Barbers, Yoga Studios, Hair & Nail Salons, and more
  • Retail: Convenience Stores, Grocery Stores, Clothing Boutiques, Liquor Stores
  • Contractors: Landscapers, Electricians, Cleaning Services, HVAC Services
  • Outpatient Healthcare: Medical Offices, Dental Practices, Pharmacies, Specialist Clinics
  • Real Estate / LRO: Property Management Firms, Financial Institutions, Home Inspection Services
  • Restaurants: Bakeries, Fast Food Outlets, BYOB Establishments, Casual Dining, Bistros
  • Wholesale/Distributors: Dropshipping Operations, Durable Goods Wholesalers, Distribution Centers

Ready to Submit a Risk?

Partner with XRISK to secure the right non-admitted BOP coverage for your clients. Our streamlined process makes it easy to submit risks and get competitive quotes.

Submit a Risk Contact Us
air
  • Sign Shops
  • Barber Shop, Beauty/Hair Salon, Nail Salon, Spas
  • Dance Studio, Yoga Studio, Tanning
  • Pet Grooming, Boarding, Training
  • Web Design, SEO Optimization, Consultants
  • Taxi Dispatch
  • Quick Oil
  • Laundry Centers, Dry Clean Receiving Stations
    • Out of Appetite

    Contractors & Artisan

    Contractors and Artisan classes are currently available in: Texas, Arizona, Minnesota, Indiana, North Carolina, Michigan, and Ohio.

    StatusExamples
    In Appetite
    • Artisan Contractors/Tradespeople
    • Landscapers
    • Interior Painting
    • Exterior Painting (less than 3 stories)
    • Electrician
    • Floor Waxing
    • Furniture Cleaning / Upholstering
    • Window Decoration
    • Paper Hanging
    • Carpentry (finish interior work only)
    • Ceiling or Wall Installation
    • Septic Tank Cleaning
    • Carpet / Rug Cleaning
    • Interior Decorating
    • Chimney Cleaning
    • Residential Cleaning
    • Glass Dealers and Glaziers (interior)
    • HVAC installation, Service Repair
    Out of Appetite
    • Arborists
    • Janitorial
    • Home Inspection
    • Paper General Contractors
    • Roofing, Scaffolding
    • Highway or Road Work
    • Excavation, Grading of Land
    • Oil Rigging or Extraction
    • Demolition
    • Electrical Fence Installation
    • Elevators or Escalators Work
    • School Playground Equipment Installation
    • Plumbing
    • Siding Installation
    • Masonry
    • Asbestos Abatement
    • Framing, Structural, Foundation Work
    • Burglar or Security System Installation
    • Renting, Leasing Equipment to Others
    • Stucco Contractors (installing or working with EIFS)

    Outpatient Healthcare

    StatusExamples
    In Appetite
    • Medical offices
    • Dentist
    • PT / Occupational / Speech Therapy
    • Optometry
    • Dermatology
    • Podiatry
    • Counseling
    • Pharmacy
    • Research
    • Disability Evaluation
    Out of Appetite
    • Medical/Cannabis Dispensary
    • Nursing or Assisted Living
    • Surgi-centers
    • Hospitals
    • Walk-in Clinics
    • Hospice
    • 24-Hour Care
    • Urgent Care
    • Detox Facilities
    • In-Patient, Overnight Stays
    • Birthing Centers
    • Abortion Clinics
    • Clinics Performing Non-Topical/Dermal Procedures

    Real Estate LRO (Non-Residential Only)

    StatusExamples
    In Appetite
    • Building LRO for otherwise eligible occupancy
    • Property management firms
    • Financial institutions
    • Home inspections
    • Property developers/builders
    • Services supporting real estate
    • Commercial Tenant-Only LRO
    Out of Appetite
    • Residential Rental Units
    • Mixed-Use Buildings (Habitational + Commercial)
    • Restaurant Occupants

    Restaurants

    StatusExamples
    In Appetite
    • Restaurants (serving less than 50% alcohol)
    • BYOB Establishments
    • Cafés, Bistros
    • Bakeries
    • Take-Out, Fast Food
    Out of Appetite
    • Restaurants (alcohol receipts > 50% of total revenue)
    • Buffets
    • Hibachi-Style, Table-Side Cooking
    • Bars, Taverns, Lounges
    • Nightclubs, Danceclubs
    • Restaurants that stop serving food more than 1 hour prior to closing time
    • Adult Entertainment

    Retail

    StatusExamples
    In Appetite
    • E-Commerce
    • Flower Shops
    • Clothing Stores
    • Gift Shops
    • Jewelry Shops
    • Drugstores
    • Thrift Stores
    • Electronic Stores
    • Furniture
    • Liquor and Beer Sales Stores
    • Grocery, Natural Food Stores
    • Bakery, Candy Stores, Deli
    • Convenience Stores, Bodegas
    Out of Appetite
    • Gas or Fuel Sales, Delivery
    • Adult Entertainment Products
    • Gun, Ammunition Sales
    • Private-Label, Repackaged Goods
    • Cars, Vehicles
    • Heavy Equipment Sales
    • Direct Import
    • Children’s Toys
    • Children’s Clothing

    Wholesale & Distributors

    StatusExamples
    In Appetite
    • Durable-Goods Wholesale
    • Durable-Goods Distribution
    • Drop-Ship
    Out of Appetite
    • Non-Durable-Goods Wholesale
    • Guns or Ammunition
    • Tires / Rubber
    • Batteries
    • Explosives, Fireworks
    • Cars, Vehicles
    • Gasoline or Petrol Sales
    • Importation of product where the applicant is the pseudo manufacturer

    General Ineligible Industries, Operations, and Exposures

    While we have a broad appetite, certain risks fall outside our current program guidelines. These generally include:

    Ineligible Industries (Broad Categories):

    Ineligible Operations & Exposures (Examples):

    Ready for a BOP Quote?

    Partner with XRISK to secure the right non-admitted BOP coverage for your clients. Our streamlined process makes it easy to submit risks and get competitive quotes. Click below to start your BOP submission.

    Request a BOP Quote Contact Us for Questions