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Business owner’s policy
Business owner’s policy · For contractors and owners

Business owner’s policy application.

Property, general liability and business income in one policy, for a smaller contractor with an office or shop, or a business that owns, leases out or manages a building. A contractor answers about its work; a property business about its role and its tenants; both list their locations. Answer what you can and send it from the review sheet. Our brokerage takes it to market and comes back with quotes, or with questions.

Roofing often does not fit a business owner’s policy, and the form flags it as you answer. A larger contractor or portfolio can apply for general liability and commercial property separately.

Plan on 20 to 35 minutes for one location, with your current policy to hand. Your answers are kept in this browser tab only, with no account. Closing the tab clears them, so gather your documents first (the checklist lists them).

Insurers need this to quote. You can send with blanks; we’ll ask for the rest.

What to have on hand: each location’s details and your current policy (6 things)

The first question asks whether you are a contractor or a property business, and the second sheet follows that answer. Answer counts assume a contractor renting one office or shop, with no claims.

  • Your business basicsLegal name, FEIN, the year you started, revenue, headcount and payroll.
  • Each locationThe address, square footage, stories, year built, construction, sprinklers and alarms. The form lists ten locations. With more, send the full list to insurance@lightrfp.com (a spreadsheet is fine).
  • What to insure thereThe value of the equipment, furniture and stock at each location, and what it would cost to rebuild a building you own.
  • A building you ownThe years its roof, wiring, heating and plumbing were last updated.
  • Your current policyThe declarations page: limits, deductibles, premium and when it expires.
  • Loss runs, if you have themFive years of claims history from your current insurer. You can send them after by replying to your confirmation email.
Start from your documents

Pre-fill this application from your documents

Drop your current policy, a statement of values or loss runs. We fill in answers you’ve left blank, and you check each one before you send.

Drag files here, or

PDF, photo (JPG, PNG, HEIC), Excel .xlsx, Word .docx, text or CSV. Up to 4 MB a file (larger photos are shrunk to fit), 12 files in all.

Good documents for this application

  • Your current policy
  • A statement of values
  • Loss runs

Files are read to fill in answers and are not kept. An AI provider reads them under terms that don’t let it train on them.

Application
Business owner’s policy, for contractors and property businesses
Sheets
05
A contractor renting one office or shop
about 85 answers, 71 required
One building leased to tenants
about 83 answers, 70 required
Status
Your answers go to Light RFP when you press Send. Files you drop in are read to fill in answers, and not kept.
Prepared by
Light RFP Risk Management Services LLC NY DFS License # PC-1978982

Business owner’s policy application

Files you drop in fill in answers you’ve left blank.

BOP-01

Business

Who is applying, what the business does, and how to reach you.

0/20required answered

Who is applying

The next sheet asks about your work if you are a contractor, or about your building and tenants if you own or manage one.

Applicant

If the business uses another name.

If the business has one.

Property businesses: the rents and other income from the buildings.

Include the owners’ own pay. 0 if there is none.

Contact

Mailing address

Sheet 1 of 5
After you send

What happens after you send.

  1. We read it

    A Light RFP broker reads every answer, matches your business and your locations to the insurers’ classes, and asks about anything blank or flagged.

  2. We take it to market

    Our brokerage takes it to the insurers whose appetite fits your work or your building.

  3. You compare and choose

    Limits, deductibles, add-ons and exclusions side by side, matched to what your contracts, leases and lenders require. Our brokerage puts the policy you choose in force and issues your certificates.

Send us your declarations page and we’ll fill this in with you.

Rather go through it on a call? Schedule a call, or write to Light RFP’s insurance team: insurance@lightrfp.com

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