Our Locations:
The needs of your clients will change and grow as their
business does. FirstComp’s Essential BOP is also there
to grow and adapt along with them. You can quickly and
easily select the amount of coverage needed and provide
your client with flexible payment options. This brochure
showcases businesses that are a great fit for our BOP.
Omaha
Central Park Plaza
222 South 15th Street,
Suite 1500N
Omaha, NE 68102-1656
FirstComp Essential BOP
includes these key benefits:
Cranston
Las Vegas
• Customized coverage:
Choose from three levels of coverage depending on
the risks being covered
Tampa
FirstComp
Essential BOP
• Designed for small businesses:
$500 minimum premium with flexible payment options
• Adaptable:
BOP and Work Comp polices can have different
effective dates
• Ease of doing business:
Single commission statement, single bill, and single underwriter for all products
• Quick and easy:
Get an online quote or talk to your underwriter if you
have questions
• Stability:
FirstComp Essential BOP polices are written on ‘A’
rated paper
Loss Control
Did you know FirstComp has a Loss Control team dedicated to
helping your clients reduce their exposure to potential claims?
®
For more information about any of FirstComp’s
Loss Control services, please call 888-500-3344 or
email [email protected].
Insurance products and services written or provided by subsidiaries and affiliates of Markel Corp.
including, but not limited to: Markel Service, Incorporated; Markel Insurance Services; Markel
Insurance Company; Markel American Insurance Company; Deerfield Insurance Company; and
FirstComp Insurance Company. Rev. 1/15 _FC3018(0215)_BOP Brochure
®
888-500-3344 | firstcomp.com
Here are some businesses that are
a great fit for our Essential BOP:
Medical Offices
Great fit for Essential BOP:
• Doctor
• Chiropractor
• Dentist or Orthodontist
• Optometrist
• Physical Therapist
Offices
Great fit for Essential BOP:
• Accountants/Bookkeepers
• Consulting Firms
• Graphic Designers
• Interior Decorators
• Advertising Agents
• Insurance Agents
• Ticket Agencies
• Travel Agents
• Title Agents
Ineligible risks:
• Lawyers, Real Estate Agents,
Detectives, Veterinarians
• No in-home offices
• No habitational
• No political campaigns
• Cannot exceed 100,000 sq. feet or six stories
• Cannot exceed $6,000,000 in sales
Ineligible risks:
• Cannot exceed 100,000 sq. feet or six stories
• Cannot exceed $6,000,000 in sales
• No Sleep Studies
Mercantile
Processing and Services
Great fit for Essential BOP:
• Barber Shops & Beauty Parlors
• Shoe Repair
• Jewelry Repair
• Tailors
• Photographers
• Engravers
• Copy Stores
• Mailbox & Packaging
Ineligible risks:
• Cannot exceed 35,000 sq feet, six stories, or $6,000,000 in sales
• No more than 25% of annual gross sales may be off premises
• Funeral Homes, Dental Laboratory, Pharmacist, Taxidermy, Veterinarians, Laundry & Dry Cleaners
• Tattoo Shops, Collagen Injections, Laser Treatment, Permanent Hair Removal, Permanent Make-up, or Dermabrasion
• Nail Salons – OR greater than 10% nails for beauty salons
• Printers E&O
Great fit for Essential BOP:
Sellers of goods such as:
• Clothing stores
• Candy stores
• Beauty Supply stores
• Gift shops
• Bicycle shops
Ineligible risks:
• Gun stores
• Pet stores
• Hardware stores with equipment rental
• Auto parts stores
• National franchises
• Can not exceed 5,000 sq. feet
Convenience Food Stores
and Grocery/Supermarkets
Great fit for Essential BOP:
• Retail sale of limited amounts of canned goods, dairy products, prepackaged meats and incidental grocery items. (Examples: newspapers, magazines, refreshment items, cigarettes, beer, wine and novelties may be sold)
• Sale of food - canned, frozen, fresh fruits and vegetables, fresh and prepared meats, fish and poultry.
Ineligible risks:
• Gasoline
• Auto Service or Repair
• Car Wash
• 24 hour operations
• More than 15% alcohol sales (no consumption on premises. If restaurant is on site, it cannot sell alcohol)
• Franchises or Chains
• Referral if over 5,000 sq. feet
• Repackaged or relabeled food
Eateries
Great fit for Essential BOP:
• Ice Cream & Yogurt Shops
• Cafés
• Sandwich Shops
• Bakeries
• Mexican Restaurants
• Candy Shops
Ineligible risks:
• Bar or cocktail lounge
• Seasonal operations - closed for more than
30 consecutive days
• Franchise or chain restaurants
Exception: code 09171 ice cream & yogurt shops
• No more than two fryer baskets
• Sale of beer or wine only - no greater than 25% of total sales
• Wok exposure
• Live entertainment
Wholesale/Distribution
Great fit for Essential BOP:
• Appliance Distributor
• Bakery Distributor
• Hardware Distributor
• Florists: Distributors
• Floor Covering: Distributors
• Barber or Beauty Shop Supplies Distributors
(No re-packaging or re-labeling for “own brand” retail sale)
Ineligible risks:
• No more than 25% of annual gross sales
from retail
• No more than 25% of total floor area open to the public
• Children’s furniture
• Material alterations to manufacture any products
• Manufacture rep operations
• Auto Parts Distributor
• Meat Distributor
• Tobacco Distributor
• Toy Distributor
• Outdoor power equipment or power tool
rentals Distributor
For questions, contact your FirstComp Sales Manager
at 888-500-3344. 'Like Us' on Facebook to stay up-to-date
on FirstComp news and special promotions!