Commercial Insurance

What We Cover
  • Apartments
  • Architects
  • Auto Repair Shops
  • Barber or Beauty Shops
  • Carpet Cleaners
  • Churches
  • Clinics
  • Condominiums
  • Consultants
  • Contractors
    • Carpenters
    • Concrete Contractors
    • Electricians
    • Excavators
    • General Contractors
    • HVAC Contractors
    • Land Graders
    • Landscapers
    • Masons
    • Painters
    • Pavers
    • Plumbers
    • Roofers
    • Sewer Contractors
    • Sheet Metal
    • Contractors
    • Siding Contractors
  • Engineers
  • Floor Installers
  • Freight Installers
  • Garbage Haulers
  • Loggers
  • Manufacturers
    • Concrete Products
    • Food Products
    • Foundries
    • Furniture
    • Machine Shops
    • Metal Goods
    • Plastic Products
    • Woodworking Shops
  • Motels and Hotels
  • Officers
  • Printers
  • Real Estate Agents
  • Repair Shops
  • Restaurants
  • Sand and Gravel Haulers
  • Sawmills
  • Stores
    • Auto Accessory
    • Stores
    • Building Material
    • Dealers
    • Convenience Stores
    • Electronic Stores
    • Floor Covering Stores
    • Furniture Stores
    • Gas Stations
    • Glass Dealers
    • Grocery Stores
    • Hardware Stores
    • Machinery Dealers
    • Retail Stores
    • Wholesale Distributors
  • Truckers
  • Warehouses
  • And Much More!
Packaged Coverages and Special Programs

Coverages are specially tailored to each type of business listed in the following plans:

  • Apartments
  • Car Care Operations
  • Church
  • Contractors
  • Motels
  • Offices
  • Restaurants
  • Retail Stores
  • Service Operations
  • Wholesalers
Commercial Package Policy

The Commercial Package Policy combines under one policy all coverages you need at one low price. Virtually any business, institution, or governmental entity may be insured under a Commercial Package Policy. Special programs with tailored coverages include the following:

  • Apartments
  • Contractors
  • Manufacturers
  • Mercantile
  • Offices
  • And Morel

Broad coverages are available to insure your:

  • Buildings
  • Business Personal Property
  • Boiler & Machinery
  • Business Income
  • Personal property of others
  • Loss of income end extra expenses
  • Outdoor property including fences, signs, and antennas

Coverage is available on a replacement cost, actual cash value, or agreed value basis. You may insure different categories of property with separate limits or under blanket limits. Optional deductibles with corresponding premium savings are available. An automatic building inflation guard is also available.

Inland Marine
  • Construction Equipment
  • Builders Risk
  • Transportation/Cargo
  • Electronic Data
  • Employee Dishonesty
  • Money & Securites
General Liability

General Liability covers your legal liability for bodily injury, property damage, and personal and advertising injury arising out of your operation up to the policy limits. Costs of setting claims and defending suits are in addition to stated limits. Additional and separate limits apply to the following:

  • Medical Expenses
  • Damage to Premises Rented to You
  • Premises and Operations
  • Product Liability

Coverage is available for the following:

  • Your obligation to others for bodily injury or property damage
  • Costs of settling claims end defending suits
  • Medical payments or nofault benefits
  • Uninsured and underinsured motorists
  • Comprehensive
  • Collision
  • Towing
  • Rental reimbursement
  • Liability
  • Physical Damage

Any size fleet may be written.


The Garage coverage form is designed for automobile dealers. It combines coverages provided under General Liability and Automobile policies. In addition, Garagekeepers’ coverage is available to pay all sums resulting from damage to automobiles left in your care.

Umbrella Liability
  • Excess Liability Limits
Worker's Compensation

Coverage parts include the following:

Part One Workers' Compensation (not applicable in Idaho, Ohio, North Dakota and Wyoming)

  • Covers benefits required of you by Workers' Compensation law. Applies to bodily injury to or death of your employee arising out of his or her employment.

Part Two – Employers’ Liability (not applicable in Idaho)

  • Protects you when tort suits are brought against you as the result of injury to or death of your employee. This is a summary of ACUITY coverages. Contractual coverage is as stated in the policy.