When disaster strikes, small businesses need more than standard insurance—they need reliable, specialized protection. That’s where the Businessowners Catastrophe Insurance Trust (BCIT) comes in. Designed for small commercial properties, BCIT extends the same dependable coverage as our homeowner program (HCIT), with options built specifically for business needs. From appurtenant structures and business personal property to loss of income, BCIT helps ensure your business is protected and prepared.