Business Owner Policy

Processing & Service Occupancies

• Appliance and Accessories – Installation,
• Servicing or Repair – Commercial or Household
• Bakeries – with Baking on Premises
• Barber Shops, Beauty & Spa Parlors, Nail Salons including Professional Liability
• Copying and Duplicating
• Engraving
• Funeral Homes or Chapels
• Jewelry Repair
• Laundry and Dry Cleaning (no 24 hour operations) & Receiving Stations
• Lithographing
• Mail Box or Packaging Stores
• Mailing or Addressing Companies
• Photoengraving
• Photographers
• Printing
• Shoe Repair Shops
• Tailoring / Dressmaking Establishments – Custom
• Taxidermists
• Television or Radio Receiving Set – Installation or Repair

Restaurants: Full cooking, Limited Cooking & Fast Food

• Bakery / Coffee Shop / Café
• Burger King / McDonlad’s / Red Mango / Blimpie
• Cafeteria Style – Buffets
• Catering Services – Banquet Hall
• Concession Stands / Snack Bars
• Delicatessens & Sandwich Shops
• Drive-in / Service in Car
• Ethnic
• Family Restaurants - Full Service
• Fine-Dining Restaurants
• Hamburger / Hotdog / Malt Shops / Donut Shops
• Ice Cream Parlors
• Pizza Shops
• Takeout Only (no on-premise food consumption)

Professional Offices

• Accounting & Bookkeeping Services
• Advertising and Related Services
• Credit Reporting Agencies
• Employment Agencies
• Engineers or Architects – Consulting
• Health Maintenance Organizations
• Inspection and Appraisal Companies
• Insurance Agents
• Interior Decorators
• Lawyers
• Medical Offices / X-Ray or Imaging Labs / Veterinary
• Payroll Accounting Services
• Real Estate Agents
• Ticket & Travel Agencies
• Title Agents

Retail

• Air Conditioning Equipment
• Appliance Stores
• Army and Navy Stores
• Art Galleries
• Barber or Beauty Shop Supplies Distributor
• Beverage Stores – Liquor and Wine
• Bicycle Shops
• Bookbinding and Printing Supplies
• Books and Magazine Stores
• Camera and Photographic Equipment
• Candy or Confectionery Stores
• Cell Phone Stores
• Ceramics
• Clothing or Wearing Apparel
• Computer Stores
• Convenience Food Stores (no gasoline sales)
• Cosmetic, Hair or Skin Preparation
• Dairy Products Stores
• Department Stores
• Drugstores
• Dry Goods Dealers
• Electronics Stores
• Fabric
• Floor Covering
• Florists
• Fur – Garments and Pelts
• Furniture – Upholstered, Wood or Metal
• Gardening and Light Farming Supply
• Gift Shops
• Glass Dealers and Glaziers
• Grocery
• Hardware and Tools
• Health or Natural Food Stores
• Hearing Aid
• Hobby, Craft or Artists’ Supply
• Home Furnishings Stores
• Home Improvement Stores
• Janitorial Supplies
• Jewelry
• Leather Products or Hide Stores
• Lighting Stores
• Luggage Goods
• Marble Products
• Music – Pre-Recorded and Instrument Stores
• Newsstands
• Office Machines or Appliance (no repair)
• Optical Goods
• Paint, Wall Paper or Wall Covering Stores
• Painting, Picture or Frame Setters
• Pet Stores
• Photography Equipment
• Plumbing Supplies and Fixtures
• Refrigeration Equipment – Commercial
• Retail Stores, NOC
• Sewing Machine Stores
• Shoe Stores
• Sporting Goods or Athletic Equipment Stores (including apparel)
• Stationery or Paper Products
• Supermarkets
• Toys
• Trophy Stores
• Variety Stores
• Video Stores – Rental and Sales
• Wigs
• Wood Products, NOC

Contact Underwriters If Not Listed