Retail/Service
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.
Common Coverages
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.
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.
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.
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?
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.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.