Products

Products

BOP

Businessowners' Policies (BOP) bundle property, liability, and business interruption coverages into one business insurance policy. BOPs can be customized to meet the unique needs of each small-to-medium sized business.  

We target risk profiles with limits up to $5 million TIV per location.
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Commercial Property

Coverage for commercial property, including the business physical location, inventory, equipment breakdown, and business income interruptions.

Our commercial property appetite is focused on the hybrid space between small and midsize enterprises (SMEs) and the middle market with limits up to 25 million types of risk.
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Ocean Cargo

Coming soon.
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BOP Highlights

  • Excess & Surplus lines A.M. Best “A” rated insurance carrier
  • Automated, online platform
  • Per risk capacity up to $5 million TIV per location
  • Coverage includes Equipment Breakdown
  • Cyber sublimit included
  • Over 350 classes of business focused primarily on Main Street occupancies

Optional Coverages Available:

  • Hired & Non Owned Auto
  • Employee Benefits Liability
  • Employee Dishonesty
  • Outdoor Property
  • Ordinance or Law
  • Wind Driven Rain
  • Spoilage

Commercial Property Highlights

  • Backed by a panel of Excess & Surplus lines A.M. Best “A” rated insurance carriers
  • Ground-up per risk capacity between $5 - $25 million TIV per location
  • Coverage includes Equipment Breakdown
  • Over 400 classes of business

Optional Coverages Available:

  • Employee Dishonesty
  • Outdoor Property
  • Ordinance or Law
  • Wind Driven Rain
  • Spoilage

Target Classes of Business

  • Office
  • Retail
  • Mercantile/Service
  • Real estate
  • Hotels & Motels
  • Habitational
  • Healthcare
  • Light Manufacturing
  • Light Warehouse and Distribution Facilities

Types of Risks We Insure

Available nationwide, across the lower 48 states.

Offices
Retail spaces
Real estate
Hotels
Habitational
Healthcare
Light manufacturing
Warehouse and distribution facilities

Oculus Highlights

  • Founded by a Program Administrator with 20+ years of guiding ideas through incubation, product development, implementation, and execution through both hard and soft markets.
  • Access to programs with A. M. Best ‘A’ rated carriers.
  • Our approach blends automation with underwriting expertise to streamline our submission intake process
  • We specialize in individual and portfolio underwriting to provide stability to our distribution and capital partners.
  • Our underwriting approach combines data, analytics, technology, and underwriting expertise to deliver bespoke solutions for brokers and achieve the desired return on capital needed for our (re)insurers.
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