Ohio Casualty Targets Small Commercial Growth

Ohio Casualty, a Liberty Mutual Agency Corp. regional company, has added more than 60 business classes to its Commercial Protector BOP product, including classes in wholesale/retail, office and medical office as well as six Internet classes to accommodate retailers with on-premises inventories. A Limited Cyber Liability endorsement has been added at no cost for all qualified Commercial Protector business classes and lower limits for Employment Related Practices coverage will be added later in 2011, says Ohio Casualty.

The Commercial Protector, a competitively priced, package product, provides broad property and liability coverage in a single policy for small business accounts with receipts up to $8.5 million per location, the company says.

The Commercial Protector Series is Ohio Casualty’s portfolio of commercial lines products for small- to mid-sized businesses, providing coverage for more than 1,100 classes.             

Custom Protector is available to small to mid-sized businesses with receipts up to $15 million per location, and offers more built-in coverages and expanded eligibility with optional market segment endorsements for condos, contractors, food processors, garages, hotels/motels, manufacturers, office/lessors, religious organizations, restaurants, retailers, service providers and wholesalers, says Ohio Casualty. Split-rated property and liability coverages are designed to allow for price adjustments to match a customer’s specific exposure.

Ohio Casualty adds that it also offers the Comprehensive Business Policy, a package policy designed for more complex middle-market accounts, with core coverages including Commercial General Liability Extension and a Property Extension Endorsement, with optional coverages for Equipment Breakdown, Employment Practices Liability, Business Income on an Actual Loss Sustained, Property Extension Plus Endorsement and a complete portfolio of ISO coverage endorsements.