- (845)-482-5522
- [email protected]
- 15 Chapel Street P.O. Box 675 Jeffersonville, NY 12748
Commercial Lines
Business Owners Policy (BOP) Insurance
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Looking for a smarter way to protect your business? A Business Owners Policy (BOP) bundles essential coverages into one simple, affordable package. Why juggle separate policies when you can have comprehensive protection in one policy? Perfect for small to medium-sized businesses, our BOP’s keep things straightforward while giving you peace of mind.
Business Owner Policies from Callicoon Cooperative are a perfect match for Service, Mercantile, and Mixed Mercantile businesses.
Key Features & Benefits
• Covers 100+ business types like bakeries, clothing stores, and florists. New ventures and mixed-use risks considered.
• Theft coverage offered with or without a central station burglar alarm.
• Covers owner-occupied, tenant-occupied, and lessor’s risks.
Coverage Highlights
• Property limits up to 2M in all classes with higher limits available.
• General Liability limits of $1M per occurrence / $2M aggregate with no deductible.
• Hired and non-owned auto coverage available up to $1M Combined Single Limit (CSL).
How are we different?
• We offer flexible underwriting, even for risks involving prior losses or new ventures.
• Our expertise allows us to consider unique risks, such as those with underground oil tanks or woodstoves.
• Our BOP program covers a wide range of business classes, meeting diverse underwriting needs.
• We offer stable rates and have only had one rate increase in the last ten years.
Interested in a Callicoon Coop BOP Quote?
Reach out to one of our appointed independent insurance agency partners, call us at (845) 482-5522 or email [email protected].
SMP – Special Multi Peril Policy
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For business that do not fit within our Business Owners (BOP) program because of the nature of their operations, we offer our flexible Special Multi-Peril Policy at competitive rates.
A Special Multi-Peril Policy offers a comprehensive insurance solution, combining multiple coverages to safeguard businesses against a wide range of risks. Unlike standard business insurance packages, this policy provides greater flexibility and can be tailored to suit both your budget and unique business needs.
Key Features & Benefits
• Replacement Cost (RC) and Actual Cash Value (ACV) available.
• Equipment Breakdown coverage available.
• Business Income with Extra Expense coverage available.
• A la carte coverages available.
o Theft of building materials, Hired and Non-Owned Auto Liability, Fire Legal Liability
• Inflation Guard available.
• General Liability (GL) audits are typically not required.
Coverage Highlights
• General Liability Limits up to $1M per occurrence ($2M available upon request).
• Property limits up to $2M TIV (higher limits available).
Deductibles
• Deductibles starting at $500.
How are we different?
• We offer flexible underwriting, even for risks involving prior losses or new ventures.
• Our expertise allows us to consider unique risks, such as those with underground oil tanks or woodstoves.
• Our SMP program covers a wide range of business classes, meeting diverse underwriting needs.
Interested in a Callicoon Coop SMP Quote?
Reach out to one of our appointed independent insurance agency partners, call us at (845) 482-5522 or email [email protected].
Agents Trust Us to Offer Protection to our Clients for their Personal and Business Insurance Needs.
Since 1878, Callicoon Cooperative has been the trusted choice for insurance agents seeking flexible underwriting and tailored coverage for their clients. Whether it’s homeowners’ insurance, coverage for buildings under renovation, or Business Owners Policies (BOP), we provide comprehensive solutions to meet a wide range of insurance needs. Consistently ‘A’ rated by AM Best, Callicoon Coop offers comprehensive insurance protection supported by superior financial stability.