Lessor’s Risk (LRO)
Commercial real estate owners need insurance for their interest in and liability for property they rent or lease to others. Our lessor’s risk (LRO) program offers all the necessary provisions in a tight BOP format, making it easy for our agents and customers to get covered quickly.
Light Wholesale
Whether insuring a food distributor or book wholesaler, the WCF businessowners policy provides plenty of options.
Office
Keeping an office running, especially through unforeseen issues, requires good insurance. A businessowners policy combines coverage for the building and its contents with coverage that protects the business from multiple potential liabilities. From medical practices to financial planning providers, WCF offers complete coverage options.
Restaurant
Unique features to our BOPs for restaurants below.
- Coverage for food-borne illness (including advertising, inoculation expenses, business income loss) and food contamination
- Liquor liability (applicants must be licensed as restaurants, and not as bars)
- Coverage for accidental discharge of cooking fire suppression equipment (both direct expenses and business income)
- Business income coverage for vehicles used in catering, delivery, and as food trucks
- Coverage for liability for damage to customers’ autos
- Coverage for checked items
- Multi-location franchise discount— Up to 10% for more than 20 locations!
- Existing discount if WCF writes the workers’ compensation coverage
- Discount for Utah Restaurant Association members
Retail
Retail/shop insurance includes coverage for the retail building and its contents, including inventory. Liability coverage protects the business if a customer slips and falls on the premises. Theft coverage is also available.
Service
The service industry is diverse and has operations as varied as pet grooming and business consulting. From typical property risks to exposures related to customer data, these businesses require nuanced insurance options. WCF has a product offering that addresses multiple needs.