Commercial Package Policy
If you operate a business, our commercial package policy is for you. We offer many coverages to meet your contractual needs, including: Additional insured options; Waiver of subrogation; and Primary and non-contributory.
Coverage Highlights
We offer coverage for your building from many types of peril. We also protect your company’s inventory and your employees.
This is a fundamental coverage for many companies. It includes but is not limited to protections for physical injury and damage to your business operations.
Other Features Include…
Optional Coverages
- Business Income – Actual Loss Sustained
- Commercial Articles
- Commercial Crime-Pak
- Cyber Liability/Data Breach Response
- Deluxe Property
- Employee Benefits
- Employment Practices Liability Insurance
- Equipment Breakdown
- Greenhouse Plus Endorsement
- Liability Coverage Extension
- Property Coverage Extension
Special Programs
- Auto Service Risks
- Choice Auto Repair Service (CARS)
- Churches
- Farm Implement Dealer
- Select Food Processors
- Select Hotel
- Select Manufacturers
- Selected Contractors
- Select Mercantile
- Selected Metalists
- Vintner
- Churches
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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
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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
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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
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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
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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
