Property & Casualty-BOP FAQs

What is a Business Owner's Policy (BOP)?
BOP (Business Owners' Policy), combines property and casualty coverage into one package. Business owners' policies provide industry-specific P&C coverage to protect equipment and facilities.

Who is eligible for property and casualty coverage?
Architects and engineers, land surveyors, landscape architects and many other construction industry consultants.

What is the minimum premium for BOP Policies?
In the majority of the states, it is a minimum of $500 for a one-year policy. 

How do I obtain an application for property and casualty coverage?
Submit the Acord® Property & General Liability application along with supplemental application
.

Where can I find the supplemental application for P&C?
The supplemental application can be found on the Applications page.

Can my certificate holder be added as an additional insured to my auto policy?
There is no need for an endorsement; this coverage is included in the auto coverage form. See page 2 of form CA0001, Section II, Item 1.5c.

My Business Owners' Policy (BOP) has the Blanket Additional Endorsement G123127B. Do I need to contact my broker to add on additional insured?
Your policy automatically includes additional insureds if you have this endorsement.

Can a loss payee be added to my auto policy?
Loss payees are automatically included as their interests may appear. This is noted on your Declarations page.

If I am on a business trip, is my laptop covered?
Off-premises laptop computers are covered under the Business Owners' Policy for up to $10,000, unless the policy has been endorsed to a $25,000 limit. Laptops are also covered on worldwide basis if policy has G140332A property endorsement for a charge of approximately $40.

Where do you mail the workers' compensation kit?
We forward it to your broker, who should send it on to you.

Who do I call for billing questions?
Please call 877-574-0540 or 877-276-7507.

Where do I report business auto or workers' compensation claims?
Please call 877-262-2727 or fax 800-953-7389.

Can I obtain a copy of my policy?
Yes, please send us a request in writing to:

A&E - Property & Casualty
Victor Insurance Managers, Inc.
Two Wisconsin Circle
Chevy Chase, MD 20185

We will order a reprint and forward it to you.

Is professional liability coverage included in my Business Owners' Policy (BOP)?
No, professional liability must be purchased separately. Please contact your broker to purchase professional liability through our Architects, Engineers, Surveyors & Consultants program. 

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