Businessowners Insurance
Our commercial property and casualty insurance has the coverage you need for your business.
Coverage Highlights
If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to the actual amount of lost income.
Not every business owner also owns their building. If you rent your shop and it is damaged, up to $50,000 of costs are covered.
This coverage pays your business back if you must defend against a lawsuit connected to a worker’s employment. This has a limit of $10,000.
Coverage specifically for the tools and machines you need in your business is included with the policy.
Related Coverages
Cyber Liability
Coverage for when secure passwords and internet-based protection isn’t enough.
Business Umbrella
Additional coverage when you need to go above and beyond your regular policy.
Workers' Compensation
Protect yourself and your staff if there's an injury or disability on the job.
Other Features Include…
Additional Coverages
- Accounts Receivable: $10,000 on premises, $5,000 off premises
- Basic Liability: $300,000 (higher limits available)
- Buildings and Personal Property: Replacement cost
- Contractual Liability
- Medical Payments: $5,000 per person
- Money and Securities: $10,000 on premises, $2,000 off premises
- Valuable Papers: $10,000 on premises, $5,000 off premises
Optional Coverages
- Business Computer
- Employee Benefits
- Employee Dishonesty
Preferred Risks
These types of business offer especially competitive rates and special enhancement endorsements.
- Auto parts stores
- Baked goods and bakeries
- Coffee, tea, and spice shops
- Copying and duplicating services
- Dairies (ice cream and yogurt shops)
- Delicatessens
- Floor covering stores
- Florists
- Funeral homes
- Gift shops
- Mini-Warehouses
- Monument dealers
- Pizzerias (no delivery)
- Print shops
Get a quote now!
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
Find an Agent
Add-on Coverages
Customize your business owners insurance policy with these optional add-on coverages.
-
How EPLI Protects Your Business
January 9, 2020 - 1:14 PM
When you think of keeping your workplace safe, you probably think of goggles and gloves, or secure computer passwords. But there’s another way you can make sure your company is protected: with EPLI. EPLI stands for employment practices liability insurance. It covers employment-related lawsuits, like discrimination or sexual harassment, for...Full story
-
Natural Disaster Business Protection
September 5, 2019 - 4:15 PM
Hurricane Dorian may be the top story in the news right now, as it moves along the east coast of the U.S. It’s damaged homes and city streets in the Bahamas already. You can help survivors here.
While Hastings Mutual’s six-state region isn’t a target for hurricanes, other natural...Full story
-
What Every Business Needs To Survive
April 19, 2019 - 8:55 AM
Jennifer Harughty of Texas was having fun at a Houston Astros baseball game last summer. At least until, she claims, the T-shirt cannon fired by the Astros’ mascot seriously injured her finger. She’s had surgery and is now suing the team to recover her expenses. If the Astros have to...Full story
-
Say Goodbye To Your Business (Successfully)
September 12, 2018 - 2:57 PM
Business succession is preparing for the day you step away from your company: who will take over? But that’s just one of the questions you’ll need to answer when it’s time to move on. Business succession looks at the future of your business, while a newer management concept, exit planning,...Full story
-
Spreading The Word About Your Business (video)
August 2, 2018 - 10:43 AM
Video Transcript...Full story
The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)
(800) 442-8277
