Products

Commercial Lines

  • Business-owner (BOP)
    This policy offers building and/or business property coverage, loss of income, general liability, products/completed operations, medical payments and equipment breakdown coverage for small-medium size businesses. For example: retail stores, service organizations, offices, apartments, restaurants, craft vendors, churches etc. There are additional endorsements and extenders that may be added to meet your needs.
  • Special Multi-Peril (SMP)
    This is for Commercial Businesses that do not fit on our BOP Program, such as light manufacturing or food production & alcohol manufacturing. This is a package policy which includes property, liability, medical payments and equipment breakdown coverage. There are additional endorsements and extenders that may be added to meet your needs.
  • Commercial Fire (CFP)
    This is for Commercial Businesses that do not fit on our BOP or SMP Programs. General Liability and loss of income may be added to create a commercial package policy (CPP).
  • General Liability
    General liability may be attached to a Commercial Fire Policy. We do not write a stand-alone General Liability policies.
  • Artisan/Craft 12 (ACE)
    This policy offers building and/or business personal property coverage, general liability, products/completed operations, and medical payments for firms with less than 20 employees and gross receipts less than $1.5 million. Common classes are contractor, mason, landscaping, carpenter and painting. We also offer inland marine coverage for any tools and equipment, as well as options for rented equipment.
  • Inland Marine
    Inland Marine policies can be written as a stand alone or in conjunction with another policy. This policy offers coverage for specifically scheduled items. Tools, contractors’ equipment, computer coverage, livestock, and other commercial articles can all be covered under an Inland Marine policy.
  • Farm-owner
    Our Farm-owner policy offers a variety of coverages to accommodate 1 and 2 family owner-occupied dwellings, and tenant policies. The policy provides coverage for property, liability, and medical payments. The Gentleman Farm-owner program is for small Hobby Farms with limited animals and incidental farming income. The Gentleman Farm-owner policy offers a 35% discount from a Standard Farm policy. Various endorsements may be added to suit your needs.

Personal Lines

  • Homeowner
    Our Homeowner program offers a variety of coverage for 1 and 2 family owner occupied dwellings.Coverage for seasonal/secondary homes and doublewides are available under this program. We offer a Broome’s Best Homeowner discount for the exceptional home as well as renter policies.The policy will provide coverage for property, liability, and medical payments. Various endorsements may be added at additional premiums.
  • Manufactured Homeowner
    The Manufactured Homeowner policy is for the insured looking for property, liability and medical payment coverage on their singlewide. To qualify, the manufactured home must be owner occupied. Various endorsements providing extra coverage may be added to a policy for an additional premium.
  • Landlord
    This policy provides property, liability, medical payments, and equipment breakdown coverage for 1-4 family dwellings. The property must be rented and no business may be conducted on the premises. Properties that are owner occupied may be eligible for a credit.
  • Inland Marine
    Inland Marine policies can be written as a separate policy or in conjunction with another policy. This policy offers additional coverage for specific items. Fine Arts, Jewelry, collectables, valuables, livestock, equipment and machinery, computers and other personal articles can all be covered under an Inland Marine policy.
  • Dwelling Fire
    The Dwelling Fire Program is designed to provide property and liability coverage for 1-4 family dwellings that are owner occupied or seasonally owner occupied that do not qualify for our Homeowner Program. Tentant occupied dwellings that do not meet the standard of a landlord policy can also be covered under this program. Manufactured Homes which are rented and properties that are vacant or unoccupied would also qualify for this program. Farm Fire coverage is available for farm personal property and farm structures that do not qualify for the Farmowner program. Liability coverage can be attached to this policy.

Financial Standing

Broome Co-operative is rated A′ (A Prime) Unsurpassed by Demotech, Inc.

Broome Co-operative is rated B++ (Good) by AM Best.