woman hangin 'open' sign - words 'Business Owners Policy'

The small business economy is expanding rapidly and so are the needs of your policyholders. C&F’s Digital Business Owners Policy offers a broad appetite to meet the diverse needs of small business owners in over 350 business classes. Through a touchless underwriting process, you can rate, quote and bind the insurance your clients needs in minutes at a price they can afford.

Touchless Underwriting

Streamlined – 10 general business questions

  • 130+ class codes, including: retail, wholesale, mercantile, office and business service classes
  • Pricing discounts may be available for preferred business
  • No premium audit on most policies


Available in all states

Sales up to $6,000,000 per location (premises)

Occupancies up to 35,000 sq. Ft. per location (premises)

Minimum annual premium $250

Target Clients

Home-based businesses



0-20 employees

Sales less than $1m, TIV below $1m

Available Coverage

Full ISO© Businessowners coverage (admitted) including:


General Liability – occurrence limits: $300,000, $500,000, $1,000,000 and $2,000,000

Business Interruption and Extra Expense – Actual Loss Sustained for 12 months

Enhanced Equipment Breakdown (includes micro circuitry)

Employee Benefits Liability

Employment Practices Liability

Hired and Non-Owned Auto Liability (subject to additional underwriting; not available LA, IL, VT)

Liquor Liability (subject to additional underwriting)


Miscellaneous Professional Liability

Cyber Risk

Blanket Additional Insured

Scheduled Property Floater

Billing and Installment Plans

Agency or Direct Billing; Installment plans available on policies with premium over $1,000; no installment fees