For Business

Catastrophe Coverage for Businesses

Reliable protection for commercial buildings—modeled after the same trusted HCIT program.

Same Program. New Possibilities

Everything you trust from HCIT, now tailored for small businesses.

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.

BCIT offers coverage for commercial buildings up to $1 million in value—backed 100% by Certain Underwriters at Lloyd’s of London. (Need more? We can offer higher limits with underwriter approval.) Businessowners can select between a 5% or 1% deductible, with the 1% option allowing for a flood deductible buy-down. The structure mirrors our Homeowners DIC product, including the same rates, percentage-based sums insured, and key coverage areas—so you can expect simplicity and flexibility with serious peace of mind.

 

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