One submission for both halves
The property schedule and the liability exposure go out on one package submission, so the account is never built twice and the two halves cannot come back on different terms.
BOP · Missouri
A Business Owner’s Policy pairs commercial property with general liability in one package built for the retail shop, the office and the restaurant in Missouri.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Through Cennairus, a Business Owner’s Policy is placed for retail, offices, restaurants, personal-service shops, light contractors working from a shop and small habitational risks. Each market publishes its own eligibility and checks the class first, and larger or higher-hazard accounts often split back into monoline policies. Send the class, the building and the revenue to start.
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Class of business, the building and the revenue. That is enough to start.
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The property schedule and the liability exposure go out on one package submission, so the account is never built twice and the two halves cannot come back on different terms.
Class, square footage, construction, roof and protection class are read before the file goes out, so a risk the package cannot carry is named at the start instead of after it has been shopped.
Your client, your renewal, your relationship. A licensed broker here works the placement and hands the terms back to you.
Reconciled and settled monthly on business we place for you.
The application package, a prior declarations page, or the few fields in the form beside this.
Class, square footage, year built, roof age, construction, protection class and revenue come off the documents, along with the class the market will rate the account under. Those decide eligibility, so they are not guessed.
A licensed broker takes it to the markets with appetite for the class and comes back with a quote, an underwriting review, or a decline — and says which one it is.
Who buys it: retail stores, salons and personal-service shops; restaurants, cafes and quick-service locations; professional offices; franchise locations under a brand agreement; habitational owners with a handful of small buildings; light contractors who work mostly from a shop.
Worth knowing
| Business Owner’s Policy | Monoline GL + Property | Commercial Property Only | |
|---|---|---|---|
| What it is | Both coverages on one simplified form | Two policies, each underwritten on its own | Building and contents, liability placed elsewhere |
| Who it fits | Main-street classes inside published eligibility | Accounts that outgrew the package | A landlord, a vacant building, or liability that sits elsewhere |
| What decides it | Class, square footage, construction, protection class, revenue — the same facts, once one falls outside appetite | Construction, occupancy, protection, exposure, total insured value | |
| Key difference | The package is priced and renewed as one account; the monoline pair moves one policy at a time, which matters the moment half the account becomes hard. | ||
The shop floor, the stock in the back room and the customer who tripped over the mat — carried by one policy instead of three.
Yes. Missouri is one of the states we work. Send the account and it is measured against every market with appetite for it in Missouri.
Yes. Eligibility, pricing and the application are simplified because the two coverages are underwritten together. Larger or higher-hazard accounts often split back into monoline policies.
Retail, offices, restaurants, personal-service shops, light contractors who work from a shop, and small habitational risks. Each market publishes its own eligibility, and class is checked first.
Most forms include a base level of business income and extra expense automatically, with higher limits available by endorsement. The base amount varies between markets, so read the form being quoted.
Limits vary by market and class, and the property side is also governed by the building and contents limits and any coinsurance requirement. Tell us what the lease or the lender asks for.
Send the loss runs. A water loss or a slip-and-fall does not end a package on its own — frequency, cause and what was fixed matter more. Where the package market passes, we split the account into monoline.
Some markets endorse cyber or employment practices onto the package; others require a standalone policy. Both are placed here, and the quote says which.
You keep your commission on business we place for you, reconciled and settled monthly. Your terms are in your agency agreement, not on this page.
Class of business, the building, the revenue and whatever the landlord or the lender is asking for. We will work it and come back with what the markets said.
