Spectrum® Business Owner's Policy

When it comes to business insurance, our research shows that small business owners are looking for coverage that’s just right – not too much or too little and at an affordable price.
Our BOP helps them strike that balance – offering protection that helps meet unique needs at a competitive price. Consider that we offer:
  • Customized coverage recommendations based on class and risk characteristics.
  • A broad range of optional coverages and increased limits.
  • Enhanced Stretch® package with a range of blanket limits for all coverages and higher limits as the Stretch level increases.
  • A smarter quoting platform that will help strengthen your customers’ trust in you, and in the coverages you recommend.

The Business Owner’s Policy Transformed

With Spectrum, you not only have access to flexible, industry-leading protection that enables you to deliver tailored solutions, you get an unmatched quoting experience.


Spectrum Overview Documents

Coverage-Specific Resources

Changes apply to new business only and aren't yet currently available in all states.
This is only a general description of coverages which may be provided and does not include all policy features, exclusions and conditions. All coverages are individually underwritten. In the event of loss, the terms of the policy issued will determine the coverage provided.

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