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Business Owners Policy

Every small business has its own personality

We’re here to fully understand your unique business insurance needs to help you succeed.

Business Owners

Intro to Business Owners Insurance

Business owners insurance coverage from COUNTRY Financial® provides protection for your buildings, business personal property, liability risks, and specific business risks.

Our business owners policy offers a wide range of coverages and options, depending on the type of business you have. We can help you put together a plan that makes the most sense for your situation.

Coverage Options

Buildings and Business Property

Our business owners policy provides coverage for loss or damage to your buildings and business personal property. Examples of what our policy protects against: fire or lightning, windstorm or hail, explosion or smoke, damage from vehicles, theft or vandalism, sprinkler leakage, and collapse.

Business Furniture

Including exterior glass, maintenance equipment, outdoor fixtures and landlord’s furniture.

iPad with Broken Screen
Business Personal Property

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


You can also choose from the following claim settlement types: 

Type 1
Actual Cash Value

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.

Type 2
Replacement Cost

Coverage for the cost to replace your damaged or destroyed building at today’s prices, subject to the limits on your policy. Your business personal property will be insured on a replacement cost basis.

Other Covered Losses

Since you face a lot of unique risks, business owners insurance protects you for many other types of loss and damage too.

Loss of Income
Loss of Income

Protection for loss of business income, rental income and extra expenses (up to 12 months, no dollar limit)

Equipment Breakdown
Equipment Breakdown

Coverage for financial loss as a result of breakdown or electrical damage to equipment or systems

Employee Dishonesty
Employee Dishonesty

Up to $5,000 coverage (higher limits available)

Outdoor Sign
Outdoor Signs

Coverage for exterior attached and unattached signs up to $5,000 (higher limits available)

Money and Securities
Money and Securities

Covers theft of money and securities up to $10,000 on site and $2,000 off site (higher limits available)

Electronic Data
Electronic Data

Coverage for damage to computer and media data up to $10,000 per year (higher limits available)

Accounts Receivable
Accounts Receivable

Up to $25,000 coverage for uncollectible receivables if your records are damaged (higher limits available)

Building Ordinance
Building Ordinance

Covers the costs to comply with ordinances and building codes after a covered loss up to $25,000 (higher limits available)

Forgery and Alteration
Forgery and Alteration

Up to $2,500 coverage if someone forges your checks, bank drafts or notes (higher limits available)

Liability and Medical

The business owners policy provides general liability coverage if you’re legally responsible for bodily injury, property damage or personal or advertising injury to others.

More Liability
More about Liability
  • Personal and advertising injury (libel and slander)
  • Other included coverages including: contractual liability, host liquor liability, products and completed operations liability, damage to premises rented to you, hired and non-owned auto liability, employees as additional insureds
  • Limited worldwide coverage
Medical Coverage
Medical Coverage

Medical payments of up to $5,000 or $10,000 per person for payment of medical and similar expenses, regardless of liability.

Coverage Choices per Occurence:

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

Annual limit is two times your per occurence limit.

Packages For Specific Businesses

COUNTRY Financial also offers specialized packages that cater to specific businesses. If your business falls into one of these categories, you can choose from two business owners insurance coverage packages – Gold or Platinum. Both help you insure your specific business, and both provide several coverage upgrades beyond our basic businessowners policy.

Businesses we offer customized coverage for:

  • Apartment owners and condominium associations
  • Beauty salons, barber shops and hair salons
  • Contractors (electricians and plumbers)
  • Florists and garden shops
  • Photographers
  • Professional offices (veterinary, accounting, law and medical offices)
  • Residential cleaning services
  • Restaurants, bakeries and coffee shops
  • Retail (auto parts stores, flooring or carpet stores)

Coverage Packages


Automatically added to your businessowners policy at no additional cost, the Gold series offers more than 30 special coverages that are tailored to help your small business grow. We’ll 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. You have a lot of choices, and we can talk to you about what’s available for your specific business.

Additional Coverage Options

In addition to the many options we offer in our basic, as well as business-specific Gold and Platinum policies, we offer other special features at an added cost that can be used to further enhance your business owners policy.

Buildings and Business Property Options

Earthquake Coverage

Deductible is a percentage basis per building and per personal property item. 

Employee Dishonesty

Increase your coverage limits for the direct loss of money or other property due to employee fraud like embezzlement; choose limits of $5,000, $10,000, $25,000 or $100,000

Spoilage Coverage

Up to $50,000 coverage for loss of perishable stock due to mechanical breakdown of equipment, power outage, or contamination by refrigerant

Water Back-up and Sump Pump Overflow

Up to $5,000 coverage for damage caused by water which backs up through sewer or drain of overflow of sump pump

Utility Interruption

Coverage for damage to property and loss of business income caused by a loss to off-premises power, water or communication supply services

Identity Fraud

Coverage for expenses you may have as a result of identity fraud up to $25,000

Liability Options

Professional Liability Coverage for:

Pharmacists, optical and hearing aid specialists, printers, and funeral directors

Care, Custody or Control

Coverage for damage to the property of others while in your care, custody or control

Broadened Damage to Premises Rented to You

Coverage for damage to the property you occupy

Employers Stop Gap

Available in ND and WA only

Directors and Officers Liability

For condominium or townhouse association

Employment Related Practices Liability

For claims alleging damages because of wrongful employment practices

Data Breach Coverage

Coverage for many of the costs involved in responding to a data breach and complying with the law, including liability costs if you're sued, plus professional assistance to help you react to a breach with confidence.

Introducing COUNTRY Financial® Mobile

Need to view your insurance card in a hurry, pay your bill over your morning coffee, or contact your rep? You can do all of that and more with our app. Download it today!

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1Available in ND and WA only.