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You've worked hard to grow your business. You shouldn’t have to work hard to figure out how to best protect it. We're here to help.

Intro to Commercial Insurance

Our Commercial Package Policy allows you to customize your policy and buy only the coverages you need – so you get a specialized plan that perfectly suits your business, and coverage that grows and changes as your business does.

The Commercial Package Policy is most often used for businesses like:
  • Contractors

  • Auto service and repair

  • Churches

  • Commercial rental property

  • Equipment dealers

  • Light manufacturing

  • Local trucking

  • Other service companies (e.g. janitorial services)

Commercial insurance  provides protection for your:
  • Buildings

  • Business personal property

  • Personal property of others

  • Liability risks

Coverage Options

Buildings and Business Property

Our commercial package policy provides coverage for loss or damage to your buildings and business personal property.


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

Business Personal Property

Includes business personal property you own and computer hardware (for mechanical breakdown, power surge and power failure).

You can choose from three coverage levels:

Basic Coverage

Coverage for specific risks listed in your policy.

Coverages will be listed in your policy and includes protection from things like:

  • Fire or lightning

  • Vandalism

  • Windstorm or hail

  • Explosion or smoke

  • Sprinkler leakage

  • Riot or civil commotion

Broad Form Coverage

Basic coverage as described, plus a few more risks.

In addition to what the basic policy includes, you’ll also have coverage for things like:

  • Falling objects

  • Weight of snow, ice or sleet

  • Water damage

  • Collapse

Special Coverage

Our best coverage for your business.

In addition to the basic and broad coverages, your policy provides broader coverage including theft.

You can also choose from the following claim settlement types: 

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

Replacement Cost


Coverage for the cost to replace your damaged or destroyed building at today’s prices, subject to the limits on your policy.

Other Covered Losses

Other coverages in the Commercial Package Policy include:

Extra Expense and Loss of Income

Coverage for loss of income or extra expenses up to $25,000 because of a covered loss (up to 12 months, higher limits available)

Equipment Breakdown

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

Computer Coverage

Up to $5,000 coverage for damage to computer hardware and software, phone systems, copy machines, fax machines and electronic cash registers. Includes loss caused by flood, earthquake and power surge.

Valuable Papers and Records

Up to $5,000 coverage for the expense of reconstructing non-electronic records (higher limits available)


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

Outdoor Property

Up to $2,500 coverage for other outdoor property like trees, shrubs and plants (higher limits available, $250 for any one tree, shrub or plant)

Accounts Receivable

Up to $5,000 coverage for uncollectible receivables if your records are damaged (higher limits available)

Pollutant Cleanup and Removal

Coverage for expenses to get rid of pollutants on your premises after a claim, up to $10,000

Installation Floater

Up to $5,000 coverage for loss to building materials, supplies or equipment while at a jobsite, in transit or at a temporary storage location (higher limits available)

Newly Acquired or Newly Constructed Property

Up to $500,000 for buildings and $250,000 for business personal property

Debris Removal

Coverage to remove debris from your premises after a claim, up to $25,000 plus 25 percent of your direct property loss in the claim

Inflation Index

Keeps your building and business personal property limits current as building construction costs and content replacement values increase over time

Electronic Data

Coverage for the cost to replace or restore lost data up to $5,000 per year

Liability and Medical

The policy provides general liability coverage if you’re legally responsible for bodily injury, property damage or personal or advertising injury to others. You can choose per occurence coverage limits of $500,000 or $1 million. Total limit is two times your per occurence limit.

More about Liability
  • Personal injury and advertising injury (libel and slander)

  • Other basic liability coverages including: products and completed operations liability, host liquor liability, and damage to premises rented to you ($100,000 limit, higher limits available)

Medical Coverage

Medical payments – choose $5,000 or $10,000 per claim for payment of medical and similar expenses, regardless of liability

Additional Coverage Options

In addition to the many features our standard commercial policy provides, we offer other choices at an added cost that can be used to further enhance your policy.

Buildings and Business Property Options

Earthquake Coverage

Deductible is determined by the building type and location and is a percentage of the limit of the building

Ordinance or Law

Coverage for the costs to comply with ordinances and building codes after a claim

Business Income

Coverage for loss of net income and normal operating expenses, including payroll, while the business is down due to a covered claim

Inflation Guard

Property coverage automatically increases each year to keep up with inflation; choice of 4, 6, 8 or 10 percent

Peak Season

Increases business personal property coverage to take care of seasonal increases in value


For loss of perishable stock due to mechanical breakdown of equipment, power outage, or contamination by refrigerant; $500 deductible applies

Discharge from Sewer, Drain or Sump

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

Mine Subsidence

For damage caused by underground mine collapse

Coverage Options

Contractors Care, Custody or Control

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

Employers Stop Gap

Available in ND and WA only

Additional Options
  • Hired and non-owned auto liability

  • Additional Insureds

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.

Employment Related Practices Liability

For claims alleging damages because of wrongful employment practices. Customers who purchase this coverage have access to the Employer Resource Center with tips and tools for handling employment related issues.

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