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Business and Nonprofit
  • Who we insure
  • Property and liability
  • Workers compensation
  • Risk managment
  • Claims Service

Examples of businesses and nonprofits we insure

This is just a sample of the types of organizations we insure. If you're interested in insurance for your business or nonprofit, contact a local insurance agent.

Car care and specialty auto repair

From garages to employee tools, we give you the protection you need. Receive coverage for the personal property of your customers and for outdoor property, vehicle damage, and leased buildings.

Contractors

We give contractors expanded protection for things like expenses incurred from the theft of building materials and tools, in addition to property and liability protection tailored to your trade.

Detectives and security guards

One of our specialties is providing security for businesses who provide security. You rely on liability and Errors & Omissions protection. Count on our insurance to keep you covered.

Golf courses and country clubs

Operate your facility with fewer worries from the tee box to the pro shop. We understand the industry-specific insurance needs of all golf facilities, whether it's private, semi-private, or daily fee.

Human services and non-profit organizations

We insure a wide-range of nonprofits because of our expertise in professional liability, abuse, directors and officers (D&O), and participant liability insurance. They include:

Social service nonprofits
Community centers, women's shelters, adult day care, vocational training job centers, AODA programs, suicide helplines, and pregnancy counseling/testing centers.

Sports and recreation nonprofits
Sporting, soccer, racquet, and swimming clubs; booster clubs; YMCAs; membership organizations; and recreation clubs, like hunting and skeet clubs.

Select markets nonprofits
Business leagues, chambers of commerce, local performance art centers, veterans organizations (VFWs), and local fairs and festivals.

Manufacturing

Our insurance plan covers critical assets like dies, patterns, molds, and forms. It also protects against expenses as a result of a patent infringement suit. This is in addition to all the other property and liability insurance you need and expect.

Offices

Rest assured knowing you have protection for loss or damage to your computer equipment. But your business is so much more. That's why we also insure your foundations, bridges, sidewalks, or patios – making our policy ideal for offices with exterior facilities. Trade-specific coverage also includes forgery or alteration protection.

Restaurants

From fine dining to family style, we know that a restaurant's insurance must adjust for changing seasonal needs. We also provide trade-specific protection for spoilage and computer equipment, so you don't have to worry as much if you lose power or your POS system goes out.

Retail

We understand that retail operations and vendors need flexible insurance that changes with seasons. That's why ours automatically adjusts to make sure you have the appropriate coverage year round. Our trade-specific coverage includes brand and label removal and computer equipment coverage.

Security systems and protection

Your service gives people peace of mind. Let us afford you the same comfort. Key coverage benefits for security system installers include Errors & Omissions (E&O), manufacturing and servicing liability, protection system contractor, and voluntary property damage.

Sports and recreation

Sports and recreation operations – including fitness clubs, martial arts schools, personal trainers, and paintball and laser tag arenas – have unique risks and need unique insurance protection. That's why we provide coverage for participants and spectators, including participant liability, abuse and molestation, professional liability, and excess medical payments for participants.

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