GuideOne
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
GuideOne’s current published BOP appetite guide focuses on religious organizations written via the CGA/ThinkCGA platform and explicitly states BOP is designed to support religious organizations only. BOP is not available in AK, HI, NY, or WA.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) Preferred/eligible business (BOP – Religious Organizations) - Class focus: churches and religious organizations, including those with additional exposures such as cemetery, daycare/preschool, headquarters office, lessor’s risk (on church premises), parish nurse, parking, security guard, and youth activities/camps.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Property eligibility (per location): - Maximum total building values at a single location: $10,000,000; up to 5 locations on a policy. - Largest building may be up to 35,000 square feet.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Building age and condition: - Frame construction: 1950 and newer. - All other construction types: up to 100 years old. - Wiring, heating, and plumbing must have been updated within the last 30 years. - Roof age/updates: full replacement or age within 40 years for metal roofs; within 20 years for all other roof types.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Loss history: up to two claims allowed in the last three years with no single claim exceeding $20,000. - Protection classes: all are potentially eligible, subject to additional PC‑based ineligibility thresholds (see restricted section). - Sexual Misconduct coverage available up to $500,000/$1,000,000 for eligible risks and subject to supplemental application when higher limits requested.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) Restricted / ineligible classes and exposures - Geography: BOP not written in AK, HI, NY, WA.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Property / protection class restrictions: - Protection classes 8B and 9: ineligible where total insured value (TIV) at a location exceeds $2,000,000 and there is no automatic sprinkler system in any building at that location. - Protection class 10: ineligible where TIV at the location exceeds $1,500,000.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Ineligible exposures (BOP program): - K–12 school exposure. - Buildings designated as historical landmarks. - Umbrella policies (must be placed outside this BOP program). - Business Auto policies in AK, DE, HI, ID, ME, MT, NH, NV, NM, RI, SD, UT, VT, WV, WY when tied to this platform.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) Key coverages and program features for religious BOP - BOP is built around religious institutions with available enhancements including: Cyber Suite, D&O, Employee Dishonesty, Employment Practices Liability, Equipment Breakdown, Money & Securities, Ordinance or Law, Outdoor Property and Signs, Religious Expression, Sexual Misconduct, Total Faith Coverage Enhancement, Water Backup & Sump Overflow, and more.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Parsonage coverage is available but not in Florida.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) Commercial Package Policy (CPP) / risk‑management credit notes - GuideOne continues to offer Commercial Package Policies for church and church‑related niches. A Risk Management Credit may be applied to CPP premium in select states if the insured church registers for My Account and meets premium and class criteria (church, church with school, church with daycare, church with camp, church headquarters). Credit is not available on certain optional coverages such as crime, EPL, non‑owned/hired auto, and sexual misconduct. Eligibility and exact credit amounts vary by state and are determined in underwriting.([guideone.com](https://www.guideone.com/sites/default/files/2020-11/rmc_eligibility.pdf?utm_source=openai)) Submission and underwriting instructions (BOP – via ThinkCGA) - All BOP quotes are subject to underwriting review; portal data is used to determine eligibility, and agents are explicitly instructed not to enter inaccurate information as placeholders to obtain a quote.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - Issuance/bind requirements must be emailed to submissions@thinkcga.com with a bind request. The submission/policy number should be included in the email subject line for routing.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - For issuance, underwriters require: - Three years of hard copy loss runs. - A completed Sexual Misconduct Supplemental Application when a $500,000/$1,000,000 sexual misconduct limit is requested.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) Broker / producer operational notes - Program is accessed via the CGA/ThinkCGA platform for religious BOP. Producers should: - Pre‑screen accounts to ensure they meet property value, age/updates, and loss‑history thresholds. - Confirm the risk is a religious organization and not an excluded class such as K–12 schools or historical landmark buildings. - Check state eligibility (no BOP in AK, HI, NY, WA) and be aware of PC‑based TIV limits for 8B/9/10. - Gather full three‑year loss runs prior to bind and obtain required supplements for higher sexual misconduct limits. - Avoid submitting inaccurate COPE or exposure details simply to generate an indication, as carrier guidance explicitly warns against placeholder data.([thinkcga.com](https://thinkcga.com/wp-content/uploads/2025/08/BOP-Appetite-Guide-08_2025.pdf?utm_source=openai)) - For CPP church accounts, agents should consider registering the insured for My Account early in the process when a Risk Management Credit may apply, and confirm state and premium eligibility with underwriting or the agent/broker contact.([guideone.com](https://www.guideone.com/sites/default/files/2020-11/rmc_eligibility.pdf?utm_source=openai)) Geographic and billing considerations - While separate from appetite, billing guidance notes that certain policy types (including Commercial Package, Umbrella, and Business Auto) do not use BillingCenter in several states (AK, DE, FL, HI, ID, ME, MT, NV, NH, NM, NY, RI, SD, UT, VT, WA, WV, WY); agents should be prepared for alternative billing options in these jurisdictions.([guideone.com](https://www.guideone.com/billing-payment-options?utm_source=openai)) This summary reflects the most recent publicly available BOP religious appetite guide (SB 18136 08/25) and current CPP‑related risk‑management credit instructions as of April 2026.