One Beacon Small Business Program
We have partnered with One Beacon Insurance Company to bring you a new state of the art Small Business Program. Please see below for more information on this exciting New Small Business Program.

Available Small Business Programs
You may click on the programs below to download the One Beacon Acord Supplement for that program or Click Here to download the One Beacon Basic Application.

• Apartment Owners Program
• Automobile Services Program
• Building Owners Program
• Condominiums Program
• Contractors Program
• Hotel and Motel Program
• Manufacturers Program
• Office Program
• Restaurant Program
• Retailers Program
• Servicing and Processing Program
• Technology Program
• Wholesale/Distributor Program

California General Eligibility Guidelines

• All operations must be listed in the Risk Classification Table, and the premium for incidental exposures should not exceed 25% of the policy premium.
• No more than 3 losses within the past 3 years.
• Current owners must have successfully operated this or a similar business for at least 3 years. EXCEPTION: Apartment, Building Owners and Condominium programs and risks that are franchises.
• Sound financial condition.
• Insurance to Value.
• Full compliance with all Life Safety Requirements and building ordinances and laws.
• All habitational units must have hard-wired smoke detectors (except if less than 3 stories and 8 units - battery operated acceptable).
• Occupancy rates must be:85% or better for Apartments and Condominiums; 65% or better for Hotels and Motels; 75% or better for all others.
• Buildings that contain any of the following occupancies are ineligible: Bowling Centers; Public Assembly, Recreation or Amusement; Roller Skating Rinks; Lounges, Bars, Taverns or Nightclubs; Electroplating; Hotels or Motels (except in the Hotel/Motel program); Manufacturing (except in the Manufacturing program); Woodworking.
• Buildings with cooking or baking exposures must meet all of the following: Restaurant occupancies may not exceed 7,500 sq. ft. (15,000 sq. ft. in the Restaurant program); risks with fryers, broilers, grills or baking operations must be in full compliance with NFPA Standard 96 and the UL 300 Standard; restaurants may not be open more than 18 hours per day.
• Seasonal operations (closed more than 60 consecutive days) are not eligible.