Small Business BOP

Nuts & Bolts: Superior Access Insurance Services Inc., has a new Small Business BOP designed especially for office, retail, wholesale, service and high-tech classes of business. Businesses must have less than $5 million in annual revenue for each individual location, except for offices. The flexible policy encompasses all the essential coverages into one single program; it includes property coverage, general liability (must be written with property), umbrella liability, professional liability (E&O) and employment practices liability insurance (EPLI). New ventures will be considered. Backdating of coverage is not acceptable. Agents must submit 3-year current loss history or a signed application showing any loss history. No more than two claims in the past three years will be considered.

Dollars: Minimum premiums begin at $400 for property and general liability, $400 for umbrella, $250 for E&O and $350 for EPLI. Professional liability coverage and EPLI limits up to $1 million. Umbrella liability has a choice of limits: $1 mil, $2 mil

Carrier: Rated “A++” (superior) XV.

States Available: Alaska, California, Colorado, Illinois, Nevada, New Jersey, New York and Texas. More states will be added after Jan. 1, 2004.

Contact: Call the agency support center, (800) 272-7550, www.superioraccess.com