Small Commercial Network

The Business Account Package Policy (BAPP) meets the business insurance needs of the small to medium size businesses.

Property Coverage

• Building and Business Personal Property is written on a Replacement Cost (RC) basis. Actual Cash Value (ACV) is an available option.
• Several deductible options are available.
• There is no coinsurance provision, but we expect 100% of the values to be insured.
• Coverage is written on a blanket limit basis per location.
• Coverage for glass, signs, and radio and television antennas is included.
• Business Personal Property includes property of others and fine arts. Tenants are covered for glass, building theft damage and signs. Coverage included for tenant’s improvements and betterments.
• Business income coverage is provided for a period up to 12 months and includes a 30 day extended period of indemnity.

General Liability Coverage

Liability protection is provided and covers the insured’s legal obligations for defined bodily injury and property damage to a third party arising out of the operation of the insured’s business, independent contractors, contracts, products, and completed operations.

Eligibility Requirements

• Eligible Classes: Some classes of business will require supplemental applications, provided the risk does not have exposures that make it ineligible. When the insured has multiple eligible classes at a location, use the class that derives the most receipts at that location.



• Maximum Value: The maximum eligible value for building is $6,000,000 per location. The maximum eligible Business Personal Property value is $3,000,000 per location. 100% insurance-to-value is required since no coinsurance clause applies.



• Occupancy: Office buildings and shopping centers are eligible as lessors’ risks even if they have occupants not listed in the BAPP risk classification section, however, eligibility may need to be manually reviewed based on actual business site risks. For example, office buildings or shopping centers with a restaurant exposure may be eligible even though all restaurants are not within BAPP. All other buildings must meet the eligibility requirements.



• Square Footage: No square footage limitations apply except:
  
  The state of Maine restricts maximum square footage to 10,000. In all states, grocery stores are limited to not more than 10,000 square feet, including storage.



• Building Age: Buildings more than 25 years old are eligible provided the insured confirms that the building has had new or refurbished wiring and roofing in the last 25 years.



• Burglar Alarm: CNA requires burglary alarm protection for certain risk classes when the contents or stock values exceed $300,000.
  
  

  Professional Liability Coverage

  CNA does not write Professional Liability under the BAPP program except for druggists, morticians, barbers, beauticians, and veterinarians. Printer’s Errors and Omissions coverage is also available.
  
  NOTE: A professional services exclusion applies under both the BAPP Business Liability Coverage Form and BAPP Umbrella Coverage Endorsement.
  
  

  Umbrella Endorsement - Requirements

  CNA representatives may bind Umbrella limits of $1,000,000. Requests for higher limits must be referred to and approved by a CNA underwriter. Umbrella limits up to $5 million are available.
  
  A minimum self-insured retention of $10,000 applies ($25,000 in TX).
  
  All Primary coverage (except WC and Employers Liability) must be written by one of the CNA Insurance Companies as voluntary business. The Umbrella Endorsement does not provide excess WC coverage.
  
  If CNA is not the primary carrier for the General Liability coverage, we are unable to service your request via the internet at this point in time. Please contact the CNA Risk Management, Umbrella and Excess Divisions at (312) 822-5000 and someone will be happy to assist you.
  
  Eligible vehicle exposures are limited to non-fleet (4 and under) private passenger vehicles, light trucks or vans.
  
  Ineligible Classes- The following classes are not eligible for the BAPP Umbrella Coverage Endorsement:
  
  
  • Beverage (Alcoholic other than beer) - Wholesale
  • Beverage (Non-alcoholic & beer) - Wholesale
  • Condominium Association
  • Liquor - Wholesale
  
  Ineligible Exposures
  
  
  • Any risk with United States Longshoremen’s and Harbor Workers or Jones Act exposures
  • Any risk with known aircraft or watercraft exposures
  • Any risk issued an EPA permit number for hazardous wastes
  • Any risk with liquor liability coverage
  
  
  Minimum Underlying Limit Requirements are:
  
  
  General Liability
  
  
  • $500,000 Each Occurrence
  • $1,000,000 General Aggregate
  • $1,000,000 Products/Completed Operations Aggregate
  
  
  Automobile Liability
  
  
  • $250,000 Bodily Injury Per Person;
  • $500,000 Bodily Injury Per Accident; and
  • $100,000 Property Damage Per Accident;
  
  -OR-
  • $500,000 CSL Each Accident
  
  
  Employers Liability
  
  in IL, MA, OH, CA, WV =
  
  
  • $500,000 Per Accident
  • $500,000 Policy limit/disease
  • $500,000 Each employee/disease
  
  
  in All Other States =
  
  
  • $100,000 Per Accident
  • $500,000 Policy limit/disease
  • $100,000 Each employee/disease
  
  Excess Employers Liability coverage is not available for New York Exposures.

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