A BOP provides property and liability protection that can be augmented with auto and umbrella coverage and a range of optional coverage extensions. Together these coverages provide the small business owner with comprehensive protection in a single integrated policy.
Classes:
Retail
Target Markets
Appliance stores
Bakeries
Bookstores
Dollar Stores
Flower Shops
Ice Cream Parlors
Linen & Bath Shops
Pharmacies
Features
Up to $15 million in receipts/values per location.
Policy can be written:
as a package, with general liability and property rated separately
as a portfolio, with general liability, property, auto and umbrella
Several built-in coverage extensions with increasable limits, plus many optional extensions and additional specialized extensions, such as:
Business income & extra expense
Electronic data processing equipment and media
Mechanical breakdown
Peak season increase
Newly acquired property
Personal and advertising injury liability
Employee benefits liability
Waiver of subrogation
Submission Requirements
Your Foremost/Bristol West/Zurich Small Business Agent Code
Carrier loss runs (minimum of five years preferred)
Named Insured list (who they are, what they do and insurable interest)
Brochure or website detailing services and programs provided
Audited financial statements
Completed ACORD applications for all exposures
Program requirements for price, product and service
Completed supplemental questionnaires (provided by Kraft Lake)
Brief description of agent’s relationship with this potential insured
Office
Target Markets
Advertising Agencies
Architects & Engineers Offices
Credit Unions
Lawyers Offices
Medical Offices
Mortgage Brokers
Features
Up to $15 million in receipts/values per location.
Policy can be written:
as a package, with general liability and property rated separately
as a portfolio, with general liability, property, auto and umbrella
Several built-in coverage extensions with increasable limits, plus many optional extensions and additional specialized extensions, such as:
Business income & extra expense
Electronic data processing equipment and media
Mechanical breakdown
Peak season increase
Newly acquired property
Personal and advertising injury liability
Employee benefits liability
Waiver of subrogation
Submission Requirements
Your Foremost/Bristol West/Zurich Small Business Agent Code
Carrier loss runs (minimum of five years preferred)
Named Insured list (who they are, what they do and insurable interest)
Brochure or website detailing services and programs provided
Audited financial statements
Completed ACORD applications for all exposures
Program requirements for price, product and service
Completed supplemental questionnaires (provided by Kraft Lake)
Brief description of agent’s relationship with this potential insured
Wholesale
Target Markets
Appliance Distributors
Auto Parts & Supplies
Candy or Confectionary Distributors
Clothing & Apparel
Frozen Food
Grocery Distributors
Meat
Fish & Poultry
Features
Up to $15 million in receipts/values per location.
Policy can be written:
as a package, with general liability and property rated separately
as a portfolio, with general liability, property, auto and umbrella
Several built-in coverage extensions with increasable limits, plus many optional extensions and additional specialized extensions, such as:
Business income & extra expense
Electronic data processing equipment and media
Mechanical breakdown
Peak season increase
Newly acquired property
Personal and advertising injury liability
Employee benefits liability
Waiver of subrogation
Submission Requirements
Your Foremost/Bristol West/Zurich Small Business Agent Code
Carrier loss runs (minimum of five years preferred)
Named Insured list (who they are, what they do and insurable interest)
Brochure or website detailing services and programs provided
Audited financial statements
Completed ACORD applications for all exposures
Program requirements for price, product and service
Completed supplemental questionnaires (provided by Kraft Lake)
Brief description of agent’s relationship with this potential insured
Service
Target Markets
Accounting Services
Barber & Beauty Shops
Carpet & Furniture Cleaning
Golf Driving Ranges
Kennels
Laundry & Dry Cleaners
Veterinarians
Features
Up to $15 million in receipts/values per location.
Policy can be written:
as a package, with general liability and property rated separately
as a portfolio, with general liability, property, auto and umbrella
Several built-in coverage extensions with increasable limits, plus many optional extensions and additional specialized extensions, such as:
Business income & extra expense
Electronic data processing equipment and media
Mechanical breakdown
Peak season increase
Newly acquired property
Personal and advertising injury liability
Employee benefits liability
Waiver of subrogation
Submission Requirements
Your Foremost/Bristol West/Zurich Small Business Agent Code
Carrier loss runs (minimum of five years preferred)
Named Insured list (who they are, what they do and insurable interest)
Brochure or website detailing services and programs provided
Audited financial statements
Completed ACORD applications for all exposures
Program requirements for price, product and service
Completed supplemental questionnaires (provided by Kraft Lake)
Brief description of agent’s relationship with this potential insured
Middle Market Accounts
Kraft Lake offers Property, General Liability, Crime, Workers Compensation and Auto for a variety of middle market risks, such as large Retail, Office, Wholesale and Service operations. Premium must be in excess of $100,000 to qualify for this program. Please contact Kraft Lake if you would like a quote for a middle market account.
