Business Coverage: Make Sure You're Protected

The success of your business demands expertise and focus. We guide you through your insurance needs, so you can keep that focus.

Or call us at 866-268-6879, and we'll help you find business insurance that works for you.

Do you have the right coverage?

Based on your answers to these questions, you may be missing important coverage. 

Proper protection is important for you and your employees. But do you know if you have the right coverage? Here are a few questions to get you started:

  • When was the last time you reviewed your policy with your current insurance carrier?
  • If your business was destroyed, would your current insurance be enough to replace all your property, including your inventory?
  • Will your current liability limits protect your assets in a lawsuit?
  • How are your customers protected against credit card fraud?
  • Do you have coverage that protects your customers' property when it's in your care?
  • Do your subcontractors have certificates of insurance listing you as an additional insured?
  • When was the last time you took a tool and materials inventory? Do you have proper coverage for those items?
  •  Do you need to protect your business for electronic data breaches?

Pro-Tip: If you lease your business space, speak to the property owner to find out what you’re responsible for in case of a loss with the building. 

Top potential coverage gaps

We specialize in serving auto shops, retail and food, professional offices and services and contractors. As we’ve worked with these business owners over the years, we’ve noticed many of them have coverage gaps. Here are some of the major ones, listed by business category.

Services

Coverages

We offer

Auto Services Errors and Omissions

Liability coverage to protect against claims made by clients for damage to their vehicles or inadequate work

Up to $25,000 per occurrence / $25,000 per policy period

Shop Building Value(s)

On-site coverage analysis and property valuation 

Up to $5,000,000 in coverage (can increase as needed)

Employee Tools

Extends your coverage to apply to employees’ tools while on your property

Up to $5000 in coverage with $500 per employee

Garagekeepers Liability

Coverage for any customer’s auto while left on your property for service, repair, storage or safekeeping

Up to $1,000,000 in coverage (can increase as needed)

Data Breach

May cover expense of data breach response, data breach liability, and legal fees

Up to $250,000 in coverage

Non-Owned Auto Liability

Coverage for employees using their own vehicles for business purposes

Up to $1,000,000 in coverage

Ordinance or Law Coverage

Includes your increased costs to rebuild after a loss to meet new ordinance requirements such as electrical upgrades or fire protection systems

A minimum of $50,000 in coverage (can increase as needed)

Services

Coverages

We offer

Business Income Coverage

Protects you from a loss of income if your business closes due to a covered loss

Actual Loss Sustained Coverage available with no scheduled limit

Business Personal Property

Coverage for business personal property you own, personal property of others while in your possession and computer hardware (for mechanical breakdown, power surge and power failure)

Coverage that automatically includes $2,500 for personal property of others at replacement cost (can increase as needed)

Data Breach

May cover expense of data breach response, data breach liability, and legal fees

Up to $250,000 in coverage

Workers Compensation

Coverage for employee workplace injuries and protection against any lawsuits by injured employees

Medical expenses, disability income, and death and rehabilitation benefits

Spoilage

Coverage for loss of perishable stock due to mechanical breakdown or power outage

Starting at $25,000 in coverage (can increase as needed) 

Liquor Liability

Protection against damages or legal fees incurred from injury of selling, serving or furnishing alcoholic beverages

Coverage you can add without purchasing a separate policy (not available in AK, AL and IA)

Services

Coverages

We offer

Building Value(s)

Coverage for the cost it takes to repair or replace your building

On-site coverage analysis and property valuation

Valuable Papers & Records

Coverage for the cost to replace printed documents or records

A minimum of $25,000 in coverage (can increase as needed) 

Accounts Receivable

Protects against a financial loss caused by damage to accounts receivable records, including digital records, if the damage is caused by a covered loss 

A minimum of $25,000 in coverage (can increase as needed) 

Electronic Data

Coverage for the cost to replace or restore lost data

A minimum of $25,000 in coverage (can increase as needed)

Data Breach

May cover expense of data breach response, data breach liability and legal fees

Up to $250,000 in coverage

Professional Errors and Omissions

Liability coverage to protect professionals against claims made by customers for wrongful acts or inadequate work 

Up to $2,000,000 in coverage*

Equipment Breakdown

Coverage for financial loss due to mechanical or electrical equipment breakdown and to repair or replace that equipment

Up to the Building and Business Personal Property Limit

Business Income and Extra Expense Coverage

Protection against loss of income (up to 12 months) if the business closes due to a covered loss 

Up to the Building and Business Personal Property Limit 

Money & Securities

Coverage for theft of money and securities

Up to $10,000 on site and $2,000 off site (can increase as needed) 

Signs Coverage

Protection for your exterior attached or unattached signs 

Up to $5,000 in coverage 

* Coverage available for the following business classes: Barber/Beauticians, Funeral Directors, Optical Hearing Aid, Pharmacist, Printers (not available in AK), and Veterinarians 

Services

Coverages

We offer

Shop Building Value(s)

On-site coverage analysis and property valuation

Up to $5,000,000 in coverage (can increase as needed)

Employee Tools

Extends your coverage to apply to employees’ tools while on your property

$1,000 in coverage with $500 per employee and $100 per tool (can increase as needed)

Non-Owned Tools and Equipment

Extends coverage for non-owned tools and equipment leased or rented from others that are in the care, custody or control of your business

A minimum of $5,000 in coverage (can increase as needed)

Discontinued Operations Liability

Businesses with this coverage have the option to keep coverage in force after business operations stop

Starting at $1,000,000 in coverage

Business Income Coverage

Protection against loss of income (up to 12 months) if the business closes due to a covered loss

Actual Loss Coverage available with no scheduled limit

Contractor Installation Coverage

Covers personal property installed or fabricated by a contractor until the installation work is complete

Up to $5,000 in coverage (can increase as needed) 

Business Personal Property

Coverage for your business or personal property of others while in your possession and computer hardware

Up to $500,000 for your Business Personal Property/Start at $2,500 for personal property of others (can increase as needed)

Care, Custody, Control

Liability coverage for your customers’ property that’s in your possession when it’s damaged or destroyed

Up to $10,000 in coverage

Blanket Additional Insured

Grants insured status to a person or company that hires you, for which you are required by contract to add as an additional insured on your policy.

Up to General Liability policy limit

Contractor Errors and Omissions

Liability coverage to protect contractors against claims made by clients for wrongful acts or inadequate work (IL, MO and KS only)

Up to $500,000 in coverage

You can count on us for:

Reliability

We handle insurance and financial services for over 45,000 small businesses.

Personal support 

Claims can happen anytime, so we’re available 24 hours a day,7 days a week. 

Tailored solutions

We’ll help you find comprehensive solutions for your business needs.  

How do I know if I need a Business Owners or Commercial Package policy?

You need a policy that works for your unique business. That’s why our business insurance policies are tailored to fit your needs. 

Business Owners Policy (BOP)

Our BOP policy is perfect for small business owners who want package coverage all in one policy. Gold or platinum options offer higher coverage levels and additional coverages for specific businesses. 

Explore our Business Owners Policy

Commercial Package Policy (CPP)

Our CPP policy provides several customization options and offers broad and specialty options for a wide variety of claims. 

Explore our Commercial Package Policy

Not sure where to start?

Contact your local rep or call us at 866-268-6879. We'll help you find the business insurance that works for you.

COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.

Deductibles and limits may vary by state, see your policy for details.

Business insurance policies issued by COUNTRY Mutual Insurance Company®, Bloomington, IL. 

For product and service information, read our Terms & Conditions.