MGM's $100M ransomware lesson for multi-unit hospitality
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Wholesale appetite: BOP
Business owner's policy we place.
GL, property and business interruption in one package — sized to the operation and bound to the lease, priced where the bundle wins. Already appointed? Send us the account. New here? Apply for appointment below.
A business owner's policy (BOP) bundles general liability, commercial property and business interruption into a single policy — usually with better pricing than buying them separately. It's the right foundation for most small and mid-sized operators.
The triggers
we hear most.
It's a small or mid-sized operator with one or a few locations.
A BOP bundles general liability and commercial property into a single policy, usually priced better than buying the two separately. It's the right foundation for most owner-operated businesses under a certain size.
The account wants one renewal, one bill and one certificate flow.
A BOP gives a single renewal date and a single carrier relationship — much easier to manage than juggling monoline GL and property programmes.
The operation fits a standard package and has grown out of personal-lines thinking.
If the business has been carrying personal insurance, a BOP is the right first step into commercial cover — and it scales as locations, employees and exposures grow.
It needs fast, clean certificates for landlords and customers.
BOPs make COI generation simple — one policy number, one carrier, one schedule. We get certificates out the same day.
Inside the
policy.
General liability
Third-party bodily injury, property damage, products and personal/advertising injury — the same coverage as a monoline GL, just inside a package.
Commercial property
Building (if owned), tenant improvements, contents, stock and equipment — typically at replacement cost with reasonable cause-of-loss forms.
Business interruption
Lost income and continuing expenses while the business can't operate after a covered property loss.
Common endorsements
Optional add-ons that BOPs handle cleanly — spoilage, hired & non-owned auto, employee dishonesty, data breach, equipment breakdown and signs.
Where buyers
get caught out.
Workers' compensation
Comp is statutory and almost always written separately — the BOP and comp policies sit alongside each other.
Professional liability
E&O for advice-based services isn't part of a BOP. We place it as a separate policy when the firm needs it.
Owned commercial auto
Owned vehicles need a commercial auto policy. Hired & non-owned auto can be endorsed onto a BOP, but the full owned-fleet cover is separate.
Industries we
place this for.
Restaurants & food service
BOP as the foundation policy for full-service, fast-casual and multi-location operators.
See the pageProfessional services
BOP for the office side, sitting alongside E&O for the firm's professional risk.
See the pageHealthcare practices
BOP bundling property and GL for medical and dental practices — sitting alongside malpractice.
See the pageDaycares & childcare
BOP for property and GL — paired with abuse cover and professional liability for the operation as a whole.
See the pageMSPs & IT services
BOP for office GL and property — alongside Tech E&O and cyber for the delivery side.
See the page
How we place
this line.
Appetite matched in-house
Every submission gets matched internally against the carrier relationships most likely to write it — not shopped blind into a dozen inboxes.
Every hour risks the client
A slow market costs you the account. Matched submissions move straight to underwriting, and you're kept posted, even when the answer is no.
Just send the file
No 40-page form, no repeated questions. Send what you've got and we take it from there.
What we're writing
on this.
Interested?
Get appointed.
Apply to become an appointed Nomos Wholesale partner — same-day appetite matching, direct access to E&S and specialty markets.
Get appointed
Not sure it fits?
Try our appetite.
Send us the submission — we'll see what fits. We can worry about the paperwork later.