Business Owners Policy, BOP Policy Classifications
The following are Business Classifications that we currently offer BOP Insurance Policy Coverage for:
Click a Letter to Jump to a BOP Insurance Classification
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z
A
Accessories or Specialties Stores – Men & Women
Accounting School
Accounting Services
Actuarial Services
Acupuncture Office
Advertising Agencies
Agricultural Operations Consultant
Allergist – Medical Office
Alumni Associations
Amusement Devices
Appliance Stores
Aquariums and Fish Stores
Arbitration Services
Architects or Engineers-Consulting(not engaged in construction supervision
Army and Navy Stores
Art and Craft Supplies
Art Councils
Art Galleries
Artists and Graphic Designers-Commercial
Artists Supply Stores
Associations-Professional & Trade, OFFICE-ONLY
Art Schools
ATTORNEY OFFICES & LAW OFFICES INCLUDING:
- Bankruptcy Lawyers
- Civil Litigation Lawyers
- Employment Lawyers
- Family Lawyers
- Intellectual Property Lawyers
- Real Estate Lawyers
- Tax Lawyers
- Criminal Defense Lawyers
- Patent Agents and Patent Lawyers
- Product Liability Lawyers
- Medical Malpractice Lawyers
Audio-Visual Equipment Stores
Audiologists Office
Auditors Office Services
Auto Accessories Kiosk
Auto Glass Shops
Automobile Parts and Supplies Stores
B
Bagel Shop – No Deep Fat Frying
Bakeries – No Deep Fat Frying
Bakeries – with Deep Fat Frying
Banking Schools (Training in Banking)
Bar Association office only (see Professional & Trade Association
Barber and Beauty Supplies Stores
Barber Schools
Barber Shops
Bath & Body Products Kiosk
Baton Instruction Schools
Beauty Parlors/Hair Stylists
Beauty Schools
Beer or Winemaking Supply Stores
Beverage Stores – Soft Drink and Beer
Bible Schools
Bicycle Stores
Billiard Stores
Billing Services-see Accounting Services
Birdfeeder Stores
Blankets & Bedding Stores
Blueprinting Services
Boat & Marine Supplies
Bookbinding
Bookkeepers Office Services
Book and Magazine Publishers-NO PRINTING
Book Stores – New and Used
Book Stores – New Books Only
Books/Newspaper Kiosks
Booster Clubs
Botanical Gardens
Bottled Water Sales
BUILDERS RISK – RESIDENTIAL & COMMERCIAL
Bridal Shops
BUILDINGS
- Building – Cultural Occupants
- Building – Educational Occupants
- Building – Post Office
- Building Religious Occupants
- Building – Retail, 5 or Fewer Occupants
- Building – Retail, 5 or Fewer Occupants – Condo
- Building – Service
- Building – Service – Condo
- Building – SS and other Occupants
Business Administration Consultant
Business Clubs
Business Schools
Business Management Consultant
Butcher Shops
C
Cake Decorating Equipment and Supplies Stores
Call Centers – Sales, Service or Consulting
Camera & Photographic Equipment Stores
Camping Equipment
Candle Stores
Candles & Country Crafts Kiosk
Candy Kiosk
Candy or Confectionery Stores
Car Stereo Stores
Card and Stationery Stores
Cardiologist Office
Carpet, Rug or Upholstery Cleaning – Shop Only
Carpet, Rug or Upholstery Cleaning – On Customers Premises (no janitorial)
Catalogue Sales Stores
Cellular Telephone Sales and Installation
Cemeteries
Ceramics Schools
Certified Public Accountant
Chamber of Commerce Office only – see Associations Professional Trade
Cheese Shops
Children & Infant Clothing or Wearing Apparel Kiosk
China Shops
Chiropractor’s Office
Christmas Stores
Churches
Church Goods Stores
Clinic – Primary Care Medical
Clock Stores
CLOTHING OR WEARING APPAREL
- Clothing or Wearing Apparel Kiosk – Family
- Clothing or Wearing Apparel Kiosk – Infant & Children
- Clothing or Wearing Apparel Kiosk – Men
- Clothing or Wearing Apparel Kiosk – Women’s
- Clothing or Wearing Apparel Stores – Family
- Clothing or Wearing Apparel Stores – Infant & Children
- Clothing or Wearing Apparel Stores – Men
- Clothing or Wearing Apparel Stores – Women’s
- Clothing – Sports Apparel Stores – Men
- Clothing – Sports Apparel Stores – Women’s
- Clothing Repair & Alterations
Clubs – Civic – (e.g. Kiwanis, Lions, Rotary) Alcohol served on premises
Clubs – Civic – (e.g. Kiwanis, Lions, Rotary) No Alcohol served on premises
Clubs-Professional & Trade Associations, OFFICE ONLY
Coffee and Teas
Collectibles and Curio Stores
Commercial Artists and Graphic Designers
COMMERCIAL BUILDERS RISK ( & RESIDENTIAL)
Commercial Printing
Commodity Broker Office
Communications Consultant
COMPUTER
- Computer and Software Stores
- Computer Programming
- Computer Repair
- Computer Repair Training Schools
- Computer Software Training Schools
- Computer Technical Schools
Conflict Resolution Services
CONSULTANTS
- Consultant – Agricultural Operations
- Consultant – Business Administration
- Consultant – Business Management
- Consultant – Economical (Research)
- Consultant – Education Planning
- Consultant – Educational (Research)
- Consultant – Human Resources (no Third Party Administrators or Benefits Coordinators
- Consultant – Interior Decorator
- Consultant – International Business
- Consultant – Medical Practice Business
- Consultant – Research (Economical, Educational & Sociological)
- Consultant – Retail Operations
- Consultant – Sociological (Research)
- Consultant – Telecommunications (no installation)
Consumer Electronic Equipment Repair Service
CONTRACTORS EQUIPMENT – monoline
Convents
Cookie Store
Copiers-Office Machine Repair & Installation
Copying & Duplicating Services
Copywriter Service
Correspondence Schools
Cosmetic Kiosk
Cosmetic/Plastic Surgeon
Cosmetics, Toiletries & Perfumes
Costume Jewelry Kiosk
Counselors-Financial Planners
Court Reporting Schools
Court Reporting Services
Craft Supplies
Credit Unions – Federal Charter
Credit Unions – other than Federal Charter
Cultural Clubs
Curtain Store
Cutlery Shops
D
Dance Schools
Data Processing (Electronics) Operations
Data Processing Schools
Decorators-Interior
DELICATESSENS
- Delicatessens – All Other – no Deep Fat Frying
- Delicatessens – Internet Cafe – no Deep Fat Frying
- Delicatessens – Internet Cafe – with Deep Fat Frying
- Delicatessens – with Deep Fat Frying
- Delicatessens – 41 to 75 seats
Dental Labs
Dental Technicians School
Dental Surgeons
Dentist Office
Dermatologist Office
Diaper Services
Dictions Schools
Digital Printing
Direct Mailing or Addressing Companies
Distributors of Household Products _e.g. Amway, Shaklee, Tupperware)
Doctor’s Office
Drafting Schools
Draftsmen
Drama Schools
Draperies
Dressmaking Establishments – Custom
Drug Stores – No Food Services
Drug Stores – With Food Services
Duplicating-Photocopying Services
Duplicating and Copying Service
E
Ear, Nose & Throat Specialists (Otolaryngology)
Economical Consultant – see Research Consultant
Education Planning Consultant
Educational & School Supplies
Educational Consultant – see Research Consultant
Electronic Data Processing Operations
Electronics Kiosk
Embroidered Products Kiosk
Embroidery Shop – Home Based
Employment Agencies – No employee leasing or temporary services – Permanent Placement only
Employment Agencies – Temporary Placement – Professional/Managers & Clerical/Administrative Only
Endocrinologist Office
Engineers or Architects – not engaged in construction supervision
Engraving
Executive Recruiter Firm
F
Fabric Stores
Family Clothing or Wearing Apparel Kiosk
Family Counseling
Family Practice – Medical
Farm Bureau Office Only – see Associations-Professional & Trade
Farm Supply Stores including Pre-packaged Feed – No bulk Storage
Fence Dealers – including installation
Film Processing Laboratories
Finance -Mortgage Brokers
Finance or Small Loan Companies
Financial Planners
Fish Markets
Fish & Aquarium Stores
Fishing Equipment and Supply Stores
Flags & Banners Store
Floor Covering Stores
Florists
Flowers & Wreaths Kiosk- Silk & Dried
Food-Health Food Stores
Formal Wear or Costumes Rental
Frame, Picture, or Painting Stores
Fraternal Associations or Lodges
Frozen Smoothies/Juice Kiosk
Frozen Yogurt Shops & Kiosks
Fruit & Vegetable Markets
Funeral Homes
G
Garden & Nursery Stores – No Landscaping Operations
Gardening Clubs
Gastronomist Office
Geriatric Specialist
Gift Shops
Glass Novelty Store
Glass Shop – Auto Glass Only
Golf Cart Sales & Services – No Rental
Golf Pro Shop
Gourmet Coffee Kiosk
Gourmet Foods
Graphic Art Consultant
Graphic Artists & Designers-Commercial
Greeting Card Stores
Gynecologist Office
H
Handbags, Purses & Wallets Kiosk
Hardware Stores
Hats Kiosk
Healing Services Office
Health Foods
Health Practitioners Office
Hearing Aids
Historical Societies – Not Historical Preservation or Military Re-enactment
Hobby Shops
Holistic Medicine Office
Home Furnishings Stores
Home Theater Stores
Housewares
Housewares Kiosk
Human Resources Consultant (no Third Party Administrators or Benefits Coordinators)
I J K
Ice Cream Kiosks
Ice Cream Parlors – No Cooking on Premises
Installation and Repair-Office Machines
Insurance Agents
Insurance Claims Adjusters Office
Interior Decorators
INTERIOR DESIGNERS
- Interior Designer – Specializing in Healthcare Facilities
- Interior Designer – Specializing in Hospitality Venues
- Interior Designer – Specializing in Residential
- Interior Designer – Specializing in Residential/Commercial
- Interior Designer – Specializing in Entertainment Venues
- Interior Designer – Specializing in Institutional Facilities
- Interior Designer – Specializing in Office Venues
- Interior Designer – Specializing in Retail Venues
International Business Consultant
Internet Cafés – see Coffee & Tea Stores or Delicatessen or Pizza Shop classes
Internist/Internal Medicine
Jewelry – Costume Kiosk
Jewelry Stores
Juice Bars – see Delicatessens
Juice Kiosks (including Frozen Smoothies)
Kennels
Key Cutting Service
KIOSKS
- Auto Accessories Kiosk
- Bath & Body Products Kiosk
- Books/Newspaper Kiosks
- Candles & Country Crafts Kiosk
- Candy Kiosk
- Children & Infant Clothing or Wearing Apparel Kiosk
- Clothing or Wearing Apparel Kiosk – Family
- Clothing or Wearing Apparel Kiosk – Infant & Children
- Clothing or Wearing Apparel Kiosk – Men
- Clothing or Wearing Apparel Kiosk – Women’s
- Cosmetic Kiosk
- Costume Jewelry Kiosk
- Electronics Kiosk
- Embroidered Products Kiosk
- Flowers & Wreaths Kiosk- Silk & Dried
- Frozen Smoothies/Juice Kiosk
- Frozen Yogurt Shops & Kiosks
- Gourmet Coffee Kiosk
- Handbags, Purses & Wallets Kiosk
- Hats Kiosk
- Housewares Kiosk
- Ice Cream Kiosks
- Jewelry – Costume Kiosk
- Juice Kiosks (including Frozen Smoothies)
- Kitchen Kiosk
- Leather Goods Kiosk
- Music Kiosk
- Perfume Kiosk
- Personalized Gifts Kiosk
- Picture Kiosk
- Popcorn Kiosk
- Silk & Dried Flowers & Wreaths Kiosk
- Sunglasses Kiosk
- Toys or Games Kiosks – see Toy Stores
- T-shirt Kiosk
- Wireless Accessories Kiosk
- Wreaths & Silk & Dried Flowers Kiosk
L
Language Schools
LAUNDRY AND DRY CLEANING
- Laundries & Dry Cleaners – Coin Operated
- Laundries & Dry Cleaners – Cleaning on Premises
- Laundry & Dry Cleaning Receiving Stations – No Cleaning on Premises
- Laundry Rental Service – Including Uniforms & Linens
Lawnmower & Small Engine Repair
Lawn or Garden Type Equipment Dealers
Law Offices: including Bankruptcy, Civil Litigation, Employment Law, Family Law, Intellectual Property, Real Estate, Tax Law, Criminal Defense, Patent Agents, Product Liability, Medical Malpractice
Leather Goods Kiosk
Leather Goods Stores (AKA Luggage & Leather Goods)
Libraries
Lighting Fixtures and Fans
Linen & Bath Shops
Liquor, Wine, Package Stores
Literary Agent
Lithographers
Locksmiths
Luggage and Leather Goods
M
Mailing or Addressing Companies
Mailing and Packaging Centers
Mail Order Houses
Marriage and Family Counseling
Masonic Lodges (Other than Masonic Temples)
Masonic Temples (Other than Masonic Lodges)
Massage Therapist Office
Mausoleums
Meat and Fish Markets
Mechanical Repair Schools (Not Automobile or Aircraft Repair)
Media Buyers Office
Media Consultant
Mediation Service
MEDICAL
- Medical Billing Service
- Medical Offices & Clinics-Primary Care
- Medical-Optometrist’s Offices
- Medical or Dental Technicians School
- Medical Practice Business Consultant
- Medical Transcription Services
Midwife
Monasteries
Monument Sales – Including installation
Mortgage Banker
Mortgage Brokers
Mosques
Museums
Music Kiosk
Musical Instruments Stores
Music Schools
N
Nail Salons – see Beauty Shop
Neurologist Office
Newsstands
Notaries & Notarial Service – see Sales Service & Consulting
Nurseries – Plant, Tree & Shrub – No Landscaping
O
Obstetrician Office
Occupational Therapist
OFFICE BUILDINGS
- Office Building – Office Occ Only – Condo Ownership
- Office Building – Office Occ Only – LRO
- Office Building – Up to 25% Other than Office Occ – Condo Ownership
- Office Building – Up to 25% Other than Office Occ – LR
Office Machine Repair & Installation
Office Supply Stores
Optical Goods Stores
Ophthalmologist’s Office
Opinion Research Service
Optometrist’s Office
Organizations-Professional & Trade Associations-Office only
Orthopedist Office
Osteopath Office
Other Houses of Worship
Other Offices – Not Otherwise Listed or Excluded
Otolaryngology (Ear, Nose & Throat Specialists)
P
Packaging & Mailing Centers
Paging and Telephone Answering Services
Paint, Wallpaper or Wall covering Stores
Painting, Picture or Frame Stores
Paper Goods Stores-Arts & Crafts
Paralegal Office – see Lawyers Office
Parent Teacher Associations
Party Goods Stores
Patent Agent
Payroll Services – See Accounting
Pediatrician Office
Perfume Kiosk
Personalized Gifts Kiosk
Pet Day Care
Pet Food and Supply Store
Pet Grooming
Pet Motel/Hotel
Pet Stores
Pharmacies-no food service
Pharmacies with Food Service
Photocopying Services
Photoengraving & Platemaking
Photo Finishing Laboratories
Photographic Equipment and Camera Stores
Photographers
Photographic Studios
Physical Therapist Office
Physician Office
Piano Tuning
Picture Kiosk
PIZZA PARLORS
- Pizza Parlors – Internet Cafes – Minimum 2/3 receipts from pizza sales – No waiter service
- Pizza Parlors – Minimum 2/3 receipts from pizza sales – 0-40 seats – No waiter service
- Pizza Parlors – Minimum 2/3 receipts from pizza sales – 41-75 seats – No waiter service
Planetariums
Plastic/Cosmetic Surgeons
Podiatrist Office
Poetry Associations
Popcorn Kiosk
Pottery Stores
Pretzel Stores – no Deep Fat Frying
Primary Care Clinic
Printers – All Others
Printers – Commercial – see Commercial Printing
Printers – Digital – see Digital Printing
Professional & Trade Associations – Office Only
Psychiatrist Office
Psychologist Office
Public Relation Firms
PUBLISHERS
- Publishers – Books & Magazines – No Printing
- Publishers – Books with Printing Operations
- Publishers – Directories & Databases w/Printing Ops
- Publishers – Magazines or Periodicals w/Printing Ops
- Publishers – Newspapers with Printing Operations
R
Radio, TV & Consumer Electronics w/installation – up to 25% off premises installation
Reading Clubs
Reading (and Science, Languages, Math and Writing) Schools & Learning Centers
REAL ESTATE AGENTS
- Real Estate Agents – Commercial
- Real Estate Agents – Residential
Recording Studios
Record Maintenance-Data Processing Operations, No Programming or Consulting
Rental Stores – Furniture & Household Appliances Only
Repair and Alterations-Clothing
Repair and Installation-Office Machines
Research Consultant – Sociological, Economical or Educational
RESIDENTIAL BUILDERS RISK (& COMMERCIAL)
Resume Writing Service
Retail Operations Consultant
Retirement-Financial Planners
S
Saddlery Stores (AKA Tack Shops)
Sail Makers
SALES SERVICE OR CONSULTING ORGANIZATIONS
- Actuarial Services
- Agricultural Operations Consultant
- Arbitration Services
- Business Administration Consultant
- Business Management Consultant
- Call Centers
- Conflict Resolution Services
- Copywriter Service
- Economical Consultant – see Research Consultant
- Education Planning Consultant
- Educational Consultant – see Research Consultant
- Human Resources Consultant (no Third Party Administrators or Benefits Coordinators)
- International Business Consultant
- Literary Agent
- Mediation Service
- Medical Practice Business Consultant
- Notaries & Notarial Service
- Opinion Research Service
- Research Consultant – Sociological, Economical or Educational
- Resume Writing Service
- Retail Operations Consultant
- Sociological Consultant – see Research Consultant
- Telecommunications Consultant (no installation)
- Telemarkers
Sauna & Spa Stores including installation
Scrapbooking Stores – see Arts & Craft Stores
Seamstress-Custom Dressmaking
Secretarial and Stenographic Services
Secretarial Schools
Sewing Machine Stores
Sewing Stores
Shoe Repair Shops
Shoe Stores
Shrines
Sign Painting or Lettering (no sign erection)
Silk & Dried Flowers & Wreaths Kiosk
Silk Screening – Retail Sales Only
Singing Societies (e.r. Glee Clubs, Barbershop Quartets)
Social Clubs – With Alcohol served on premises
Social Clubs – With No Alcohol served on premises
Sociological Consultant – see Research Consultant
Speech Therapist Office
Sporting Goods Stores
SPORTS APPAREL STORES
- Sports Apparel Stores – Family
- Sports Apparel Stores – Men
- Sports Apparel Stores – Women
Sports Medicine Specialist
Stationery Stores
Stenographic and Secretarial Services
Stereo Equipment
Stockbrokers Office
Structured Settlement Consultant
Studios-Commercial Artists and Graphic Designers
Sub Shops
Sunglass Boutiques
Sunglasses Kiosk
Surgeons – Medical Office
Surveyors – Architects or Engineers Class
Synagogues
T
Tailors
Tape, Compact Disc and Record Stores
Taxidermists
Tax Preparation Service
Telecommunications Consultant (no installation)
Telemarkers – see Sales, Service & Consulting
Telephone Answering & Paging Services
Television & Radio Repair
Temples
Temporary Placement Agency – Professional/Managers & Clerical/Administrative Only
Tent or Canvas Goods – Repair
Title search companies – See Real Estate Agents
Toy Stores
Toys or Games Kiosks – see Toy Stores
Trade and Professional Associations-Office Only
Travel Agencies
Trophy Shops
T-shirt Kiosk
T-shirt Stores
Tuxedo Rental-Formal Wear Stores
Typesetters
U
Uniform Stores
University Clubs
Urologist Office
V
Vacuum Cleaner Sales and Service
Vending Machine Operators
Veterinarians or Veterinary Hospitals
Video Stores
Vocational Rehabilitation – Outpatient Only – Full Time Career Placement Only
W X Y Z
Wallpaper, Paint or Wall covering Stores
Wireless Accessories Kiosk
Wreaths & Silk & Dried Flowers Kiosk
Yarn, Knitting or Needlecraft Supply Store
Yogurt Shops
