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Let's talk about insurance for your small business

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

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Why choose us?

You already trust us with your personal insurance. Let us help with your business insurance, too.

  • We handle insurance and financial services for over 45,000 small businesses. Why not yours?
  • Our claims service is available to you 24 hours a day, 7 days a week.
  • Access to additional business resources for safety trainingdisaster preparedness and cyber security.

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

What are the common coverage gaps?

Having the proper small business protection will include common coverage gaps like these:

Business income coverage

Protects you against lost income if your business closes due to a covered loss, like fire or storm damage. Flood damage (38%) and wind damage (36%) were also commonsources of losses, but only 16% of affected firms had specific flood insurance coverage, and only 21% had wind insurance.1

Data breach coverage

To help cover liability and legal expenses if your business's data is compromised. Checkout our basic tips (PDF) for protection to get started. According to a 2018 report by The Council of Economic Advisers, "malicious cyber activity cost the U.S. economy between $57 billion and $109 billion in 2016."2

Business personal property coverage

For items like computer hardware damaged from power surges, failures and more. The Insurance Institute for Business and Home Safety website states that "These events are estimated to cost American businesses more than $100 billion on average each year, due to disruption of daily operations, food spoilage, destruction of inventory, failure of alarm systems, and other cascading consequences."

Workers compensation

To provide coverage for medical or legal expenses from employee workplace injuries. There were 2,811,500 work comp cases recorded in 2017, according to the Bureau of Labor Statistics.3

financial representative

representative name

T: representative phone

Ready to start?

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

Let's get started

You might also be interested in

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

Source: Small Business Credit Survey, Federal Reserve Banks 

2 Data breach services provided by IDT911TM, a third party company not affiliated with COUNTRY Financial. 

3 In Illinois, workers’ compensation insurance policies are written by COUNTRY Mutual Insurance Company®.  CC Services, Inc., and our representatives are not licensed in all states. Policies may be purchased through CC Services, Inc., from a third-party insurer not affiliated with COUNTRY Financial®. For more information about CC Services, Inc., read the License and Name Information in our full Terms and Conditions.