”Small Business

OMNIRISKCoverage for North America

It's Simple

OMNIRISK has a nationwide binding platform for small property and casualty business, targeting accounts less than $10,000 in premium. Armed with dedicated market relationships and cutting edge technology, we deliver competitive small business solutions quickly and easily

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Building Relationships on Proven Performance

When it comes to small businesses, we know you need to find the right product, quickly. OMNIRISK provides broad access to markets coupled with industry-leading service and speed of response.

Local Underwriters with National Access

At OMNIRISK, we’ve resourced a single nationwide binding and small business platform serviced by local underwriters. And as the small business division of OMNIRISK, we’re able to leverage the size and clout of an industry leader in specialty insurance distribution.

This industry-leading technology both simplifies and accelerates the process of handling small accounts, and our centralized client services and operations team enables our underwriters to focus on your needs. All of this leads to speed, efficiency, and the best possible terms for your insureds.

What does OMNIRISK consider Small Business

OMNIRISK Small Business accounts fall under the typical brokerage minimum premiums. Broadly speaking, these are accounts with less than $10,000 in premium.

    AREAS OF SPECIALTY

    Why Use OMNIRISK Insurance Brokers For Your Bar & Restaurant Risks?

    • Ability to include Liquor Liability on select risks
    • Available limits up to $2m/4m + Umbrella or Excess placement
    • Minimum premium starting at $500

     

    Classes

    • Fast Food
    • Family Dining
    • Fine Dining
    • Bars/Taverns, Sports Bars
    • Pizza Parlors
    • Delis and Coffee Shops
    • Full Service
    • Quick Service
    • Bagel Shops
    • Juice Bars
    • Ice Cream Shops
    • Nightclubs, including Adult Entertainment

     

    Coverage

    • Property
    • General Liability
    • Liquor Liability
    • HNOA
    • Equipment Breakdown
    • Spoilage
    • Limits
      • Max TIV with Wind Included $5M (Higher Limits Available Excluding Wind)
      • Liability limits up to $2M per occurrence, $4M aggregate
      • In-House Authority for Excess up to $10M (Higher Limits Available)
    • Large Amounts of Coastal Capacity Available
    • Can Consider Mixed Occupancy
    • Packages Available
    • Coverage Can Include the Following:
      • Assault and Battery
      • Liquor Liability
    • Numerous Enhancements Available

    Why use OMNIRISK Insurance Brokers for your habitational risks?

    • Premiums starting at $500

     

    Coverage

    • Limits
      • High TIV limits available
      • Liability limits up to $5M per occurrence, $5M aggregate
      • Excess limits up to $20M
    • Package or monoline: property, general liability
    • Additional insured – management companies
    • Can consider mixed occupancy
    • Hired and non-owned Auto available for most areas
    • Ordinance and law coverage for select risks
    • Equipment breakdown offered
    • Coastal capacity available
    • Numerous enhancements available
    • Will consider new ventures

     

    Top Classes

    • Apartments
    • Residential condos
    • Tenant dwellings
    • Townhouses

    Why use OMNIRISK Insurance Brokers For Your Lessors Risk?

    • Monoline and package policies for lessor’s risk, with premiums starting at $500

    Coverage

    • Low Minimum Premiums
    • A.M. Best “A” rated carriers
    • Package or Monoline Policies Available
    • Hired and Non-Owned Auto Liability
    • Excess Liability Limits
    • Outside Signs
    • No Age Restrictions on Property
    • All Tenant Occupancies Considered, Including
      • New Ventures
      • New Purchases
      • Risks with Prior Losses
    • Coastal Capacity Available
      • Including Frame Construction

     

    Tough Occupancies Welcome

    Hundreds of acceptable occupancies written, including:

    • Bars and Nightclubs
    • Auto Repair / Service Shops
    • Woodworking Shops
    • Day Care Centers
    • Medical Marijuana Growers

     

    Numerous Coverage Enhancements

    A broad range of coverage enhancements, including:

    • Special Form Property Coverage
    • Business Income/Extra Expense
      • Including Dependent Properties
    • Ordinance or Law
    • Limited Pollution Liability

    Why Should You Use OMNIRISK Insurance Brokers For Your Vacant Properties?

    • Exclusive Product from Lloyd’s of London

     

    Coverage

    • Package or Monoline Policies Available: Property and General Liability
    • Dwellings and Commercial Buildings Eligible
    • Excess Liability Limits Available
    • Replacement Cost Available for Eligible Risks
    • Equipment Breakdown Coverage May Be Available
    • Will Consider All of the Following:
    • Properties undergoing renovation
    • “One offs” or a schedule of properties
    • Older construction
    • Properties in course of construction
    • New Ventures

    Why use OMNIRISK Insurance Brokers for your contractors’ risks?

    • Premiums starting at $500 (minimum premiums vary by state and market)
    • The largest selection of A+ rated markets available for LRO risks

     

    Classes

    • General contractors – commercial and residential – including 100% subbed projects
    • Artisans – More than 100 classes considered
    • New ventures and distressed risks considered

     

    Coverage

    • Package or monoline policies available: property, general liability, and inland marine
    • Increased limits – up to $5M per occurrence / $5M aggregate
    • Excess liability limits – in-house authority to $10M (higher limits available)
    • Additional insured including:
      • Completed operations (cg 2037)
      • Blanket additional insured with primary and non-contributory wording
    • Waiver of subrogation
    • Blanket waiver
    • Per project aggregate
    • Primary and non-contributory wording
    • Builders risk/installation floaters
    • Contractors equipment – monoline or package
    • OCP
    • Action over coverage for NY contractors available
    • Coverage for uninsured subs available
    • Hired and non-owned auto liability: AR, LA, OK, MO, TX risks only

    Why Use OMNIRISK Insurance Brokers For Hotel & Motel Risks?

    • Ability to include Innkeepers Liability on select risks

     

    Classes

    • Start Ups
    • Franchise or Non-Franchise locations
    • Dude Ranches
    • Motels, Hotels
    • Franchise hotels
    • Bed & Breakfast
    • Short term vacation home rentals

     

    Coverage

    • General Liability
    • Property
    • IM
    • Inn Keepers Liability Sub-limit and no bed bug exclusion
    • Spoilage
    • Equipment Breakdown
    • Crime

    Why Use OMNIRISK Insurance Brokers For Manufacturing Risks?

    • Ability to write foreign products distributed in the U.S.

     

    Classes

    • Start Ups
    • Low Hazard to Medium Hazard
    • Consumer and Industrial Products
    • Can offer primary and excess liability
    • Importer of goods
    • Manufacturing of most products
    • Manufacturing representatives

     

    Coverage

    • GL
    • Property
    • Cargo
    • IM