Business Owners Policy: Coverage Tailored to Meet Your Needs

Our business owners policy provides protection for your buildings, business personal property, liability risks, and specific business risks.

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

We offer specialized packages that cater to specific businesses

If your business falls into one of these categories, you can choose from our Gold or Platinum series.

  • Auto shops (includes auto body, maintenance, repair shops and car washes)
  • Retail and food shops (includes bakeries, micro-brew/winery, sandwich, clothing and gift shops, florists and main street retail)
  • Professional offices and services (includes accountants, lawyers, chiropractors, dental and medical offices, barbers and beauticians)
  • Contractors (includes builders, electricians, HVAC, janitorial, landscapers, plumbers, painters and remodelers)

Tailor your policy to fit your needs


Automatically added to your business owners policy at no additional cost, the Gold series offers more than 30 special coverages that are tailored to help your small business grow. Your rep will go through your choices with you. 


Available at an additional cost, the Platinum series provides everything available in Gold, plus higher limits and several supplementary coverages. 

We’ll get to know your unique business needs and go through your choices with you. Choose how your property will be valued in case of loss:

  • Actual cash value is coverage for the current value of your buildings (replacement cost minus depreciation for age and wear). The newer your buildings, the more coverage you’ll have.
  • Replacement cost allows you to replace your damaged or destroyed building at today’s prices, subject to the limits on your policy. Your business personal property will also be insured on a replacement cost basis.


Coverages also included

Since you face a lot of unique risks, business owners insurance automatically protects you for many other types of loss and damage, like the ones listed below.

  • Loss of income
  • Equipment breakdown
  • Employee dishonesty
  • Outdoor signs
  • Money and securities
  • Electronic data
  • Accounts receivable
  • Building ordinance
  • Forgery and alteration

General liability

You can select from these coverage amounts and are limited to two occurrences per year.

  • $300,000
  • $500,000
  • $1 million
  • $2 million

You can enhance your liability protection with these extra coverages, available at an additional cost.  


Your one-stop shop

We offer comprehensive coverage, including these optional coverages that might be necessary for your business. 

  • Business auto coverage is specific to vehicles used for your business. This coverage contains liability, comprehensive and collision coverage, medical payments and more.
  • Business umbrella coverage provides you with liability protection above and beyond what your commercial policy includes. You can choose limits up to $5 million or more. 
  • Workers compensation is necessary for most employers. This insurance includes the following coverage for employees in your care if they’re injured on the job: medical expenses, disability income, and death and rehabilitation benefits.

Pro-Tip: Excellent benefits, including retirement plan options, attract high-quality talent.

COUNTRY Trust Bank®: Protect what you built. Plan for your future.

COUNTRY Trust Bank® (CTB) is a full-service 401(k) provider with over 40 years of experience. We have what it takes to help you offer one of the most popular employee benefits available. We offer the following business retirement plans:

  • Simple IRA
  • Solo 401(k)
  • Traditional 401(k)
  • Safe Harbor 401(k)
  • Profit sharing plans

Learn more about business retirement plans.


With our help, you’ll choose from well-known investment companies to create a menu of investment options for your employees. If you choose a professionally-managed plan, this means you’ll own the account, but we’ll manage it for you.

Participant experience

We’ll regularly meet with your employees to help them choose and understand their plans. And when they retire or leave the company, we can help with IRA rollover considerations.

Plan design

Together, we’ll choose features that make sense for you and your employees, and then prepare signature-ready documents for you. 


Between the IRS, Department of Labor, and over 30 different compliance requirements, keeping up with regulations can be overwhelming. Our compliance team is here to help you stay up to date.

Plan administration

We can help you keep track of contributions, investment transactions, and earnings. We can accurately handle recordkeeping tasks for you, such as:

  • Distribution/1099-R reporting
  • Detailed participant statements
  • Trust reporting
  • Annual IRS Form 5500 Series preparation
  • Preparation of required annual participant notices

Ready to start?

Start online, find a local rep, or call us at 866-COUNTRY (866-268-6879). We'll help you find business insurance that works for you.

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

Not all products are offered in all states.

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

Not all representatives are licensed to provide all products and services referenced herein.

COUNTRY Financial® affiliated companies and our representatives cannot give tax or legal advice. Please consult legal and tax counsel of your choice regarding your personal circumstances.

Individual health insurance policies are purchased through CC Services, Inc., from a third-party insurer not affiliated with COUNTRY Financial®. In some states where COUNTRY operates, CC Services, Inc. is also known as CC Services of Illinois, Inc. or CCSI of Illinois, Inc.

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

Life insurance policies issued by COUNTRY Life Insurance Company® and COUNTRY Investors Life Assurance Company®, Bloomington, IL. 

Coverage is not available in all states. Details of coverage, limits, or services may not be available for all businesses and vary in some states. Workers compensation insurance policies are written by COUNTRY Mutual Insurance Company®. In some states where COUNTRY operates, policies may be purchased through CC Services, Inc., from a non-affiliated third-party insurer. CC Services, Inc. is also known as CC Services of Illinois, Inc. or CCSI of Illinois, Inc. CC Services, Inc., and its representatives are not licensed in all states. 

Registered broker/dealer offering securities products: COUNTRY® Capital Management Company, 1711 General Electric Rd, PO Box 2222, Bloomington, IL 61702-2222, 1-866-551-0060. Member FINRA.  Read our full Customer Relationship Summary and Investor Handbook.

For product and service information, read our Terms & Conditions. Read our full Financial Services Summary Handbook.

tel (866) 551-0060. Member FINRA and SIPC.