Specialty Programs

BOP Horizon Restaurant Program

Businessowners policy for restaurants with less than $1.5 million in sales, beer, and wine totaling less than 25% of sales (no liquor), and up to 7,500 square feet.

BOP Horizon Restaurant Plus Program

Businessowners policy for restaurants with less than $3 million in sales, beer, and wine totaling less than 30% of sales including liquor, and 10,000 square feet in size.

Commercial Package Policy

Restaurants with unlimited sales (catering limited to 25%); beer and wine totaling 50% of sales including liquor; and unlimited square feet.

Arbor Expert Insurance Program

A comprehensive package for the tree professional with arbor insurance needs. An array of property and liability coverages to choose from. Other products including commercial auto, umbrella liability, and inland marine help round out the tree professional’s insurance program. Contact the arbor insurance expert, Rod Yates of Yates & Associates, Inc. of Edgewater, Maryland; toll free 866-505-2663. Available in Delaware, District of Columbia, Maryland, New Jersey, North Carolina, Pennsylvania, Tennessee, and Virginia.

Harford Mutual Chalet Program

A program specializing in insuring single- and multi-family dwellings, utilized strictly for recreational purposes. This Businessowners program is only offered in the state of Tennessee.