You asked for more ways to write commercial property in California, especially for risks that don’t fit a traditional package. As of June 10, 2026, now you have it. SURE Property-Only BOP is now available statewide, giving you more ways to quote and bind property-only risks in California. Now with lower rates, you can leverage highly differentiated BOP coverage in catastrophe-exposed markets with increased commissions now at 11% NB and 9% Renewals. Watch the recording below to see how you can leverage SageSure for your clients.
SageSure Commercial Insurance Overview
Gavin presented an overview of SageSure's commercial insurance products, focusing on California, where they entered in September 2024. He highlighted recent enhancements including a 20% rate decrease in March, increased TIV limits from $10M to $15M, and the addition of SafePort as an A-rated option alongside Demotech. The presentation covered SageSure's property-only BOP product, which expands coverage to 80 additional classes and allows writing in areas previously excluded due to liability concerns, with particular strength in LROs, restaurants, habitational, and hotels/motels. Gavin also explained SageSure's wildfire risk assessment model, which measures distance from brush lines rather than using county or zip code boundaries, with eligibility starting at quarter-mile distances and varying hazard levels based on proximity.
Commercial Insurance Quoting System Demo
Marc demonstrated the online quoting system for commercial insurance, walking through the process using an AutoZone store as an example. He explained key features including the requirement for owner information to generate insurance scores, different coverage options for property-only versus full BOP policies, and the ability to adjust building limits within 20% of the system's estimate. Marc noted that incorrect information may require starting a new quote, and highlighted that qualifier questions can make risks ineligible if answered incorrectly.
BOP Quoting Process Walkthrough
Marc provided a detailed walkthrough of the BOP (Business Owner's Policy) quoting process, covering eligibility requirements, coverage options, and system functionality. He explained key limitations including no 24-hour operations, no auto-related businesses except Auto Zone, and a $15 million per location TIV limit, while noting that quotes over $3 million require manual underwriting. The session concluded with a discussion of the compliance requirements for diligent effort documentation and the process for binding policies, with Gavin and Beth confirming that a recording would be shared with attendees after the webinar.