RLI offers a standard business owners policy (BOP) as well as a package policy for businesses.
Business Owners Policy
RLI writes a wide variety of office, mercantile, property owners, and service risks. We offer solutions for experienced business owners and new ventures with adequate experience. Our knowledgeable underwriters provide you with outstanding coverages and service to help meet the needs of your insureds.
- Buildings including fixtures and permanently installed machinery and equipment
- Business personal property that you own and is used in your business
- Loss of business income and extra expense sustained if a loss causes the business to slow or close down while repairs are made
- Business liability and medical expenses including personal and advertising injury
- Employee dishonesty
- Mechanical breakdown
- Employee benefits liability
- Employment related practices liability
RLI’s business owners policy is available in the following states: Arizona, Idaho, Montana, Nevada, New Mexico, Oregon, Washington and Wyoming.
RLI’s writes a wide variety of small to medium-sized commercial packages for businesses that don’t quality for a business owners policy. Our commercial package program tailors various types of insurance coverage needed by a business into a single policy.
- Automobile — Basic automobile coverages vary slightly due to specific state regulations or requirements governing automobile insurance. Generally speaking, automobile policies provide liability coverage (including bodily injury, property damage and more) and coverage for damage to your car (comprehensive and collision.
- Inland Marine — Inland marine coverage offers protection for various types of movable property such as cargo, accounts receivable, contractors' equipment and more.
- General Liability — Liability insurance covers you for damages you are liable to pay due to bodily injury and property damage coverage. In addition to the basic coverages, we offer optional coverages including medical expenses, personal and advertising injury, blanket additional insureds and more.
- Property — Our package policies include specific or blanket coverage on buildings and personal property used and/or owned by commercial enterprises. Coverages are tailored to the needs of the insured. Optional coverages are available.