We provide the following coverages, along with other special coverages:

Businessowners Policy (BOP)

  • A package policy for most main street business operations.

Commercial Property and Business Income

  • Coverage for Commercial Property and coverage for the loss of income and continuing expenses that help a business recover from a loss.

Commercial Package

  • Customized packages of coverages for Manufacturing, Processing, & Larger Service companies.

Commercial Automobile

  • Coverage is available for most commercial vehicles used for business purposes.
  • Business Auto
  • Truckers’ Policy
  • Preferred Business Auto
  • New Auto Dealership Program
  • Used Auto Dealership Program
  • Commercial Hired and Non-owned Auto Liability

Contractors Package

  • Designed for full time Construction, Repair and Service contractors.

Garage Liability/Dealers Blanket

  • Coverages available for liability and physical damage for dealerships, used car operations, repair shops, body shops and service stations.

Umbrella Liability

  • Provides broad limits of liability ($1 million and up) to cover your business liability exposure in excess of your primary policy limits.

Professional Liability

  • Coverage is available for the professional liability exposures of druggists, veterinarians, funeral directors, optometrists and other professionals.


  • Bonds of all types are available, including contract, court and judicial, public official and miscellaneous.


  • Broad farm coverage is available.

Worker’s Compensation

  • Available to meet statutory requirements.

Systems Breakdown Coverage

  • Equipment and machinery coverage options.

Business Life Insurance

  • Life insurance designed to cover the special needs of business people.


  • Premises Burglary
  • Robbery and Safe Burglary
  • Office Burglary and Robbery
  • Storekeepers’ Burglary and Robbery
  • Theft, Disappearance and Destruction
  • Employee Dishonesty

General Liability

  • Employment-Related Practices Liability
  • Owners’ or Contractors’ Protective Liability
  • Premises-Operations Liability
  • Products-Completed Operations Liability
  • Employee Benefit Liability

Professional Liability

  • Beauticians’ and Barbers’ Professional Liability
  • Morticians’ Malpractice Liability
  • Printers’ Errors and Omissions
  • Dental Laboratory Technicians
  • Druggists
  • Optical and Hearing Aid Establishments
  • Veterinarians

Marine – Unique coverages are available for both usual and unusual business exposures.

  • Inland Marine
  • Special Programs
  • Minicomputer Coverage