Business Owner

Comprehensive Coverage to Protect Your Small Business

Our Business Owners Program provides coverage for your commercial buildings, business personal property, and liability. Additional coverage is available for accounts receivable, backup of sewers and drains, business income, ordinance or law, outdoor signs, spoilage, theft, and much more.

Coverage & Benefits


  • Building
  • Business Personal Property
  • Loss of Income
  • Equipment Breakdown
  • Liability
  • Accounts Receivable
  • Automatic Increase – Coverage A &/or B
  • Condominium Loss Assessment Coverage
  • Condominium Unit Owner’s Coverage
  • Employee Dishonesty
  • Fine Arts
  • Fire Department Service Charge
  • Forgery Coverage
  • Functional Replacement Cost Valuation –
  • Building
  • Money and Securities Coverage
  • Ordinance or Law Extension
  • Outdoor Signs
  • Property Additional Coverage Endorsement
  • Seasonal Increase
  • Spoilage
  • Theft
  • Utility Services Disruption Coverage A &/or B
  • Utility Service Disruption – Time Element
  • Valuable Papers and Records
  • Water Backup and Overflow


  • Additional Insureds
  • Additional Premium Off-Premises
  • Operations
  • Barbers and Hairstylists
  • Expanded Coverage for Property Damage
  • to Rented Premises
  • Non-Owned/Hired Auto
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Additional Products


Coverage for your skilled trade business or leased commercial buildings.

Inland Marine

Additional coverage for select items to be insured outside of the basic property.


Extra liability protection in addition to your homeowners, automobile, and other personal liability policies. Includes coverage for defense expenses for a liability claim that may or may not result in legal action.