Trade-specific insurance for businesses and nonprofits

Our expert independent agents help guide your business insurance decisions so you can focus your time where it counts most – on your business.

a collage of photos depicting just a few of the businesses SECURA works with to provide trade-specific business insurance for, such as commercial daycare, carpenters, and wineries

No matter what industry you’re in, your company faces risks every day.

Owners of all business types and sizes face a wide range of daily risks, such as product recalls, equipment breakdowns, vehicle accidents, cyberattacks, and more. Business insurance provides the tools and resources companies need to identify risks, prepare for and mitigate those risks, and the financial backing to help recover faster after an unexpected event.

Regardless of your industry, having the right business insurance helps protect your company reduce specific risks to your business operations, and protect you from unexpected financial setbacks.

Insurance for businesses and nonprofits

Insurance is an invaluable asset for businesses and nonprofits of all sizes, as it helps to protect against potential risks and financial losses that could otherwise have a devastating impact on your operations.

Commercial Auto

Auto coverage shields your business against expenses from injuries and damages involving your business-owned vehicles.

Commercial Liability

Helps protect businesses from claims by a third party for damages caused by bodily injury, property damage, or personal injury.

Commercial Property

This covers your building and your business’s personal property, such as computers and furniture, with additional coverage options for machinery, stock, and operating expenses in the event of a loss.

Cyber Security

Cyber Security insurance covers expenses related to lost or compromised data, payment fraud, data restoration expenses, and more.

Director & Officers

D&O insurance protects directors and officers from personal financial losses if sued by employees, vendors, customers, or other parties.

Employment Practices Liability Insurance (EPLI)

EPLI provides defense and compensation for employee-related lawsuits ranging from sexual harassment, discrimination, and other questionable employment practices.

Errors & Omissions

E&O provides protection if a claim is brought against your business for mistakes, errors, or faulty workmanship.

Inland Marine

Inland Marine insurance offers protection for your transportable property. Inland Marine insurance can cover a wide range of specialized property that moves or is transported across land.

Workers’ Compensation

Workers’ Compensation provides the coverage and resources you need to help get your employees healthy and back to work after they sustain a work-related injury.

Additional coverages

When there are specific gaps in your insurance needs, these optional coverages work to custom-tailor your insurance package to your unique business needs.

SECURA works with many industries to provide customized trade-specific business insurance solutions.

Don’t see your industry listed? Have a conversation with your local independent insurance agent to learn more about SECURA’s business insurance options.

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Common questions about business insurance

What is business insurance?

Business insurance protects your company from unexpected financial losses. Whether it’s slip and fall injuries, work vehicle accidents, or property and equipment damage, business insurance helps prepare you for unexpected financial setbacks.

Why do I need business insurance?

Business insurance helps businesses prepare for and mitigate risks, as well as provide financial backing to help recover faster after an unexpected event.

What is the difference between ‘defense costs inside limits’ or ‘outside the limits’?

Defense costs inside the limit simply means that defense costs are deducted from the total policy limit, resulting in less coverage available for any settlement payout.

Defense costs outside the limit means your defense costs are covered outside the policy limits, leaving your policy limit intact for covering any settlement payout.

It’s important to discuss the differences and availability of each type with your independent insurance agent.

Helpful articles

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Use SECURA’s free and discounted safety resources to help create a proactive safety culture, reduce injuries, and save money.
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Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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