Business Owners Policy for the Gig Economy

GigBOP Inquiry Form

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Business Owners Policy covering Business Personal Property & General Liability with options in Employment Benefit Liability, Professional Liability, and Hired Non Owned Auto Liability. Designed and tailored solutions for risks related to Gig Economy and emerging industries. Specifically created for home-based business, shared workspace offices, and limited footprint companies.

Eligible Businesses

We write GigBOP business with principal exposures being business personal property, general liability and potentially miscellaneous professional liability.

Over 80 business classes are eligible for the GigBOP:

  • Artisan/Servicing Manufacturing
  • Direct Retail Sales
  • Online Retail Sales
  • Services.

Food products must be prepared or manufactured in either a commercially certified kitchen, cottage food kitchen or equivalent in-home kitchen in accordance with state and local regulations and which has an approved Health rating by an appropriate Department of Health.

GigBOP Coverage

Maximum Limits
  • $250,000 for Business Personal Property
  • Up to $1,000,000/$2,000,000 for General Liability
  • Professional Liability up to $1,000,000
Policy Duration Options
  • 3 months
  • 6 months
  • Annual
Installment Options
  • 10 pay, quarterly, semi-annual, and full pay available for annual policies, with 20% deposit.
  • Semi-annual can have full pay or 2 installments with 20% deposit.
American European Insurance Group

American European Insurance Group

Available in the following states:

District of Columbia, Delaware, New Hampsire, New Jersey, Massachusetts, Maryland, Maine, Michigan, Ohio, Pennsylvania, Rhode Island, Virginia, Vermont

Accepts payment via credit card or ACH. Policy forms, invoices and policyholder notices are sent electronically.

Visit our Insurance-As-A-Service® Resources page and access at your fingertips a suite of value added resources for legal, human resource management, risk management, mental health, ergonomics and loss mitigation services.