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bullet iconBusiness Owners Policy (“BOP”) program
A.M. Best "A" / FSC IX domestic surplus lines insurer
Target Risks
  • Tenants BOPs (including home-based businesses and start-ups)
  • Owners BOPs (aka Office Policies)
  • Single-Tenant Lessor's Risk Only (i.e. LRO BOPs)
  • 22 eligible states (AL, AZ, CA, DE, FL, GA, IL, LA, MI, MN, MO, MS, NC, NJ, NY, OH, PA, SC, UT, TX, VA, and WI)
Eligible Limits
  • General Liability up to $1,000,000 occurrence / $2,000,000 aggregate
  • Products-Completed Operations up to $1,000,000 occurrence / $2,000,000 aggregate
  • Property up to $2,000,000 (limit can be underwritten as Property / Structure; as Contents / BPP; or in combination)
  • Business Interruption / Business Income up to $500,000
Other Optional Limits
  • Equipment Breakdown up to $2,000,000
  • Employment Practices Liability up to $1,000,000 occurrence / $2,000,000 aggregate
  • Cyber Liability up to $1,000,000
  • Damage-to-Premises-Rented-to-You up to $300,000
  • Ordinance or Law / ICC up to $100,000
  • Assault or Battery up to $50,000
  • Spoilage from breakdown, contamination, or power interruption up to $50,000
  • Crime & Fidelity (excl ERISA) up to $50,000
  • Forgery or Alteration up to $50,000
  • Debris Removal up to $50,000
  • Optional TRIA coverage
Other Eligibility?
  • Small businesses with up to $10,000,000 in annual revenue, and/or up to $2,500,000 in payroll (including start-ups with no operating history)
  • Up to 1 paid claim in past 5 years (more than 1 paid claim considered, subject to underwriter special acceptance)
  • 140+ eligible professions / occupancies, including:
    • Miscellaneous Professional: Accountant / CPA, Real Estate Agent, Insurance Agent
    • Retail Store
    • Full Service and Quick-Serve Restaurant
    • Small Grocery Store or Convenience Store (without gas pumps)
    • Smoothie Shop, Ice Cream Parlor & Health Food Store
    • Thrift Shop or Gift Store
  • For a complete list of all 140+ eligible professions / occupancies, or to get started, please contact us.
Eligible States Map
About Volta Underwriters
Volta Underwriters Services LLC (dba Volta) is an insurance managing general underwriter, or MGU, with binding authority to write BOP coverage for main street businesses, and coming soon, property coverage for large exempt commercial purchasers.
Team
Volta is comprised of a talented and respected team of insurance professionals, with decades of industry experience, working together to help main street businesses, municipalities, universities, and other commercial purchasers secure affordable insurance coverage.
Volta is backed by “A”(Excellent) AM Best rated /FSC IX security. Volta operates via a high technology, efficient and customer-centric service platform.