Do you have the right coverage?
Based on your answers to these questions, you may be missing important coverage.
Proper protection is important for you and your employees. But do you know if you have the right coverage? Here are a few questions to get you started:
- When was the last time you reviewed your policy with your current insurance carrier?
- If your business was destroyed, would your current insurance be enough to replace all your property, including your inventory?
- Will your current liability limits protect your assets in a lawsuit?
- How are your customers protected against credit card fraud?
- Do you have coverage that protects your customers' property when it's in your care?
- Do your subcontractors have certificates of insurance listing you as an additional insured?
- When was the last time you took a tool and materials inventory? Do you have proper coverage for those items?
- Do you need to protect your business for electronic data breaches?
Pro-Tip: If you lease your business space, speak to the property owner to find out what you’re responsible for in case of a loss with the building.
Top potential coverage gaps
We specialize in serving auto shops, retail and food, professional offices and services and contractors. As we’ve worked with these business owners over the years, we’ve noticed many of them have coverage gaps. Here are some of the major ones, listed by business category.
- Auto services
- Retail and food
- Professional offices and services
- Contractors
Services |
Coverages |
We offer |
|---|---|---|
Auto Services Errors and Omissions |
Liability coverage to protect against claims made by clients for damage to their vehicles or inadequate work |
Up to $25,000 per occurrence / $25,000 per policy period |
Shop Building Value(s) |
On-site coverage analysis and property valuation |
Up to $5,000,000 in coverage (can increase as needed) |
Employee Tools |
Extends your coverage to apply to employees’ tools while on your property |
Up to $5000 in coverage with $500 per employee |
Garagekeepers Liability |
Coverage for any customer’s auto while left on your property for service, repair, storage or safekeeping |
Up to $1,000,000 in coverage (can increase as needed) |
Data Breach |
May cover expense of data breach response, data breach liability, and legal fees |
Up to $250,000 in coverage |
Non-Owned Auto Liability |
Coverage for employees using their own vehicles for business purposes |
Up to $1,000,000 in coverage |
Ordinance or Law Coverage |
Includes your increased costs to rebuild after a loss to meet new ordinance requirements such as electrical upgrades or fire protection systems |
A minimum of $50,000 in coverage (can increase as needed) |
Services |
Coverages |
We offer |
|---|---|---|
Business Income Coverage |
Protects you from a loss of income if your business closes due to a covered loss |
Actual Loss Sustained Coverage available with no scheduled limit |
Business Personal Property |
Coverage for business personal property you own, personal property of others while in your possession and computer hardware (for mechanical breakdown, power surge and power failure) |
Coverage that automatically includes $2,500 for personal property of others at replacement cost (can increase as needed) |
Data Breach |
May cover expense of data breach response, data breach liability, and legal fees |
Up to $250,000 in coverage |
Workers Compensation |
Coverage for employee workplace injuries and protection against any lawsuits by injured employees |
Medical expenses, disability income, and death and rehabilitation benefits |
Spoilage |
Coverage for loss of perishable stock due to mechanical breakdown or power outage |
Starting at $25,000 in coverage (can increase as needed) |
Liquor Liability |
Protection against damages or legal fees incurred from injury of selling, serving or furnishing alcoholic beverages |
Coverage you can add without purchasing a separate policy (not available in AK, AL and IA) |
Services |
Coverages |
We offer |
|---|---|---|
Building Value(s) |
Coverage for the cost it takes to repair or replace your building |
On-site coverage analysis and property valuation |
Valuable Papers & Records |
Coverage for the cost to replace printed documents or records |
A minimum of $25,000 in coverage (can increase as needed) |
Accounts Receivable |
Protects against a financial loss caused by damage to accounts receivable records, including digital records, if the damage is caused by a covered loss |
A minimum of $25,000 in coverage (can increase as needed) |
Electronic Data |
Coverage for the cost to replace or restore lost data |
A minimum of $25,000 in coverage (can increase as needed) |
Data Breach |
May cover expense of data breach response, data breach liability and legal fees |
Up to $250,000 in coverage |
Professional Errors and Omissions |
Liability coverage to protect professionals against claims made by customers for wrongful acts or inadequate work |
Up to $2,000,000 in coverage* |
Equipment Breakdown |
Coverage for financial loss due to mechanical or electrical equipment breakdown and to repair or replace that equipment |
Up to the Building and Business Personal Property Limit |
Business Income and Extra Expense Coverage |
Protection against loss of income (up to 12 months) if the business closes due to a covered loss |
Up to the Building and Business Personal Property Limit |
Money & Securities |
Coverage for theft of money and securities |
Up to $10,000 on site and $2,000 off site (can increase as needed) |
Signs Coverage |
Protection for your exterior attached or unattached signs |
Up to $5,000 in coverage |
* Coverage available for the following business classes: Barber/Beauticians, Funeral Directors, Optical Hearing Aid, Pharmacist, Printers (not available in AK), and Veterinarians
Services |
Coverages |
We offer |
|---|---|---|
Shop Building Value(s) |
On-site coverage analysis and property valuation |
Up to $5,000,000 in coverage (can increase as needed) |
Employee Tools |
Extends your coverage to apply to employees’ tools while on your property |
$1,000 in coverage with $500 per employee and $100 per tool (can increase as needed) |
Non-Owned Tools and Equipment |
Extends coverage for non-owned tools and equipment leased or rented from others that are in the care, custody or control of your business |
A minimum of $5,000 in coverage (can increase as needed) |
Discontinued Operations Liability |
Businesses with this coverage have the option to keep coverage in force after business operations stop |
Starting at $1,000,000 in coverage |
Business Income Coverage |
Protection against loss of income (up to 12 months) if the business closes due to a covered loss |
Actual Loss Coverage available with no scheduled limit |
Contractor Installation Coverage |
Covers personal property installed or fabricated by a contractor until the installation work is complete |
Up to $5,000 in coverage (can increase as needed) |
Business Personal Property |
Coverage for your business or personal property of others while in your possession and computer hardware |
Up to $500,000 for your Business Personal Property/Start at $2,500 for personal property of others (can increase as needed) |
Care, Custody, Control |
Liability coverage for your customers’ property that’s in your possession when it’s damaged or destroyed |
Up to $10,000 in coverage |
Blanket Additional Insured |
Grants insured status to a person or company that hires you, for which you are required by contract to add as an additional insured on your policy. |
Up to General Liability policy limit |
Contractor Errors and Omissions |
Liability coverage to protect contractors against claims made by clients for wrongful acts or inadequate work (IL, MO and KS only) |
Up to $500,000 in coverage |
You can count on us for:
Reliability
We handle insurance and financial services for over 45,000 small businesses.
Personal support
Insurance claims can happen anytime, so we’re available 24 hours a day, 7 days a week.
Tailored solutions
We’ll help you find comprehensive solutions for your business needs.
Business insurance types: How do I know if I need a Business Owners or Commercial Package policy?
You need a policy that works for your unique business. That’s why our business insurance policies are tailored to fit your needs.
Business Owners Policy (BOP)
Our BOP policy is the perfect insurance for small business owners who want coverage all in one policy. Gold or platinum options offer higher coverage levels and additional insurance options for specific businesses.
Explore our Business Owners Policy
Commercial Package Policy (CPP)
Our CPP policy provides several customization options and offers broad and specialty options for a wide variety of claims.
Explore our Commercial Package Policy
Not sure where to start with insurance for your business?
Contact your local rep or call us at866-COUNTRY (866-268-6879). We'll help you find the business insurance that works for you.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
Deductibles and limits may vary by state, see your policy for details.
Business insurance policies issued by COUNTRY Mutual Insurance Company®, Bloomington, IL.
Coverage is not available in all states. Details of coverage, limits, or services may not be available for all businesses and vary in some states. Workers compensation insurance policies are written by COUNTRY Mutual Insurance Company®. In some states where COUNTRY operates, policies may be purchased through CC Services, Inc., from a non-affiliated third-party insurer. CC Services, Inc. is also known as CC Services of Illinois, Inc. or CCSI of Illinois, Inc. CC Services, Inc., and its representatives are not licensed in all states.
For product and service information, read our Terms & Conditions.