Your office is the hub of your business. Make sure it’s properly protected with insurance from Auto-Owners. We have developed a set of coverages that can be tailored to fit the exact needs of your office.

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!  

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Property Plus Package

Auto-Owners Property Plus package can provide coverage above and beyond your standard policy.

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Professional Liability

With coverage available for a wide range of professions, we can handle your professional liability needs.

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Save With Multi-Policy Discounts

Save money when you choose Auto-Owners for your business, personal and life insurance.  

Common Coverages

Trust Auto-Owners with all of your insurance needs. We have the coverage and expertise to ensure that your office is adequately 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.

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 professional liability for many different professions.

Workers Compensation

Covers work-related injuries to your employees.

Commercial Auto

Covers vehicles you own and use for your business.

Commercial Umbrella

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

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.  Discount does not apply for escrow direct bill accounts.


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?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent