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.
 

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Spectrum Dialed Up

Spectrum® Dialed Up

We set out to dial things up. To help you do more in less time. To create a new industry standard. Take a look and see how!
Customized Coverage Recommendations

Customized Coverage Recommendations

Advanced analytics deliver coverage recommendations based on class and risk characteristics. And, our simple coverage descriptions make selling them to your clients easier.
Stretch and Base Coverages

Stretch and Base Coverages

Turn things up with a more flexible stretch and increased limit option. Check out the new Stretch and Base Coverages grid on ICON.
Price Transparency

Price Transparency

With the improvements in ICON, you'll Instantly see the premium impact when adding or deleting coverage options with a click of the rerate button. No waiting until the Premium Summary screen.
Spectrum Quotes and Policies

Easy to Read Quotes and Policies

Deliver quotes and policies that your customers can understand. They're redesigned, easier to read and more logically arranged.
Hear What Our Agency Partners are Saying

Hear What Our Agency Partners are Saying

We've received some great feedback about the next generation of Spectrum – from our customized coverage recommendations to our 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. Todas las coberturas son de suscripción individual. In the event of loss, the terms of the policy issued will determine the coverage provided.

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