Retail Stores

From charming boutiques to bustling hardware shops, retail businesses keep communities thriving by offering products people love and need.

Contractors

Whether general, electrical, plumbing, or specialty trades, contractors build and maintain the spaces where life and work happen.

Service Businesses

Salons, repair shops, and cleaning services deliver convenience and care, making everyday life smoother for customers.

Professional Offices

Medical, dental, legal, and consulting offices deliver trusted expertise. Our coverage helps protect your practice, assets, and reputation.

Agribusiness

Farm-related operations fuel local economies. We provide insurance solutions for property, equipment, and liability to keep your business growing.

Small Manufacturing

Light industrial and specialty production businesses craft quality products with precision. Our policies cover your facilities, machinery, and operations.

Commercial Property Coverage

Protects your building, business personal property, and equipment against covered perils (like fire, theft, vandalism, wind, etc.).

Commercial Auto Coverage

From company cars to work trucks, commercial auto insurance protects your business vehicles, drivers, and operations on the road. This separate policy covers accidents, injuries, and property damage—so you can keep your business moving with confidence.

General Liability Coverage

Covers bodily injury, property damage, and legal defense costs if your business is held responsible for accidents or injuries.

Business Income & Extra Expense Coverage

Replaces lost income and pays necessary expenses if your business operations are interrupted due to a covered loss.

Medical Payments

Pays for minor injuries to third parties that occur on your premises.

Products & Completed Operations

Provides liability protection for goods you sell or work you complete, in case of claims arising after the sale or job is finished.

Equipment Breakdown

Covers repair or replacement of mechanical/electrical equipment after a covered breakdown.

Cyber Liability Coverage

Protection against data breaches, cyberattacks, and related expenses.

Employment Practices Liability

Covers claims related to hiring, termination, discrimination, or workplace practices.

Hired & Non-Owned Auto Liability

Liability coverage for vehicles your business uses but does not own (such as employee vehicles used for business).

Inland Marine

Protects tools, equipment, or property that moves between job sites.

Contractors’ Installation Floater

Covers materials and equipment awaiting installation at a job site.

Crime Coverage

Protection against employee dishonesty, theft, or fraud.

Umbrella Liability

Adds an extra layer of liability protection above your primary policy limits.

Ordinance or Law Coverage

Covers increased costs due to changes in building codes after a covered loss.

Water Back-Up and Sump Overflow

Covers damage from water or sewage that backs up through drains or overflows from a sump pump.

Employee Dishonesty

Covers losses caused by fraudulent acts of employees.

More Coverages Available

Outdoor Signs, Valuable Papers, Accounts Receivable, Spoilage, and More