Retail/Service Title Banner

Retail/Service

Breadcrumbs

Home Business Insurance Retail/Service

Retail/Service Overview

As a business owner, you work hard to meet the needs of your customers. At Auto-Owners, we strive to do the same. We’ve developed a package of coverages that can be tailored to meet the unique needs of a variety of businesses. From barber shops to gas stations, boutiques and more, we’ve got you covered.

Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business - find your local independent agent representing Auto-Owners today.

Professional Liability

Protect everything you've worked so hard for.

Business Interruption

Provides for loss of income and additional expenses while you get your business running smoothly again.

Employee Dishonesty

Covers your business for employee theft of money, securities and other tangible property.

Retail/Service Common Coverages

Common Coverages
Trust Auto-Owners with all of your insurance needs. We have the coverage and expertise to ensure that your business is properly protected.
General Liability

Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.

Inland Marine

Provides broader protection for your specific commercial property such as computers, machinery and equipment, tools and other items.

Commercial Property

Provides protection for your buildings, business personal property and property of others.

Commercial Umbrella

Covers large liability losses that exceed the limits of the underlying general liability policy.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Auto

Covers vehicles you own and use for your business.

Retail/Service Optional Coverages

Optional Coverages
Cyber Liability

In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages, such as data loss expenses, lost income, and personal identity recovery expenses. 

Employment Practices Liability (EPL)

Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.

Employee Dishonesty

Covers your business for employee theft of money, securities and other tangible property.

Professional Liability

We offer liability coverage for many different professions.

Equipment Breakdown

Covers mechanical breakdown of equipment used in your business. Includes the cost to repair damaged equipment, spoiled goods and loss of income.

Business Interruption

After a loss, it can take some time to get your business running smoothly again. This protection covers loss of income, costs for continued operation and extra expenses incurred during the time of rehabilitation.

Retail/Service Ways to Save

Ways to Save
Multi-Policy Discounts

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Dispersion Credit

If you own multiple buildings at different locations and insure them on the same insurance policy, you may be eligible for additional savings.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Deductibles

Assuming some of the risk yourself by choosing a higher deductible, may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How Do I Get A Quote - White

How Do I Get a Quote?

Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.

Contact an agent

Coverage Disclaimer - White