Business Coverage
Quality-crafted Policies
Trust our independent agents to help create the best policy for your business needs.
More Than 125 Years of Experience Crafting Policies for Business Owners
We specialize in commercial insurance policies for your small to medium-sized businesses including light manufacturing, mini-storage facilities, apartments, rental dwellings, private passenger and light truck auto repair and auto body shops, bed and breakfasts, restaurants, food carts, veterinary offices, retail shops, grocery stores, financial services offices, lessors risk property, and many others.
At Oregon Mutual, we know that running a business requires you to manage multiple moving pieces. That’s why our commercial insurance products can be individually tailored to cover your business needs. Get a free Oregon Mutual quote today and let us provide you one less thing to manage.
An Appetite for Your Business
We work with your agent to put together a comprehensive policy to meet the needs of your business. Below are a handful of the different kinds of businesses we insure.
Ask your agent how to get started today.
Apartments
Well-maintained properties built from 1995 to present and a maximum of 5 stories high. NFPA-13 sprinkler systems are required on buildings 4 or more stories.
Auto Services
Garage keepers of personal auto mechanical repair and auto body repair shops, excluding classic auto, RV, and commercial truck repair.
Contractors
Includes select artisan contractors on a package policy with all lines of coverage (general liability, property, inland marine, and commercial auto).
Lessors Risk
Including but not limited to: multiple occupancies, retail, industrial office parks (no manufacturing or service occupants).
Manufacturing
Bakeries, beverage bottlers, creameries, non-industrial electrical wiring, musical instruments, shoes, sign makers, textiles, wood products, and more.
Office
Professional and medical office buildings including, attorneys, accountants, financial services, and veterinarians.
Restaurants
Casual or fine dining, fast food, sandwich shops, buffets, pizzerias, food trucks, and new ventures with prior experience. Pizza delivery requires a supplemental application.
Retail
Web-based retailers, appliances, apparel, convenience and small grocers, electrical supply, car stereo, pet supplies, wine shops, and more.
Service
Including, but not limited to auto detailers, barbershops, distributors, pet boarding/grooming, photo studios, tailors, and more.
Veterinarian
Small and large animal coverages, equipment and supplies, medical board coverages. Excludes all experimental testing of animals.
Customized BOP Coverage
Our Businessowners Protection (BOP) coverage expands three levels: Standard, Special and Xtreme.
*Coverage availability based on underwriting guidelines. Some products may not be available for all industries. Some coverages may not be available in all states. All coverages are subject to policy terms and conditions.
Additional Covered Property
Certain classes extend property coverage as needed. Including apartment owners, bed and breakfasts, auto repair shops, mini-storage, veterinarians, restaurants, etc.
Additional Insured
Offered when the insured is required to extend liability coverage to another entity as required by contract. Examples include when the insured is required to cover others for special events or other situations.
Commercial Auto
Available for hired and non-owned vehicles, such as when employees use their own vehicles on behalf of the business. For business-owned vehicles, a separate commercial auto policy is available.
CyberOne and Data Compromise
Protects businesses against damage to electronic data and computer systems from a virus or other computer attack. This coverage also protects against third-party liabilities a business might have as a result of a failure of system security.
Debris Removal
Coverage for expenses related to debris removal caused by fire, lightning, explosions, civil commotion, aircraft, vehicle damage, or malicious mischief.
Employee Dishonesty
Provides coverage for fraudulent or dishonest acts of the insured’s employees.
Errors and Omissions
Offered under certain industries professional exposures such as auto repair, veterinary service, florists, and barbers & beauticians. Extends coverage to apply to your professional services.
Extended Business Income
Provides the option to increase the number of consecutive months after the date of direct physical loss from 18 or 24 months to get you up to normal operating revenue prior to the loss.
Liability
Provides coverage for property damage or bodily injury your business causes others.
Tech Shield Equipment Breakdown
We’ve partnered with Tech Shield™ to offer protection from micro-circuity damage. Tech Shield™ covers microelectronics, cloud computing interruption, public relations coverage, expanded off-premises coverage, and more.
Waiver of Subrogation
The waiver of the condition that you transfer your right to recover all or part of any payment we have made under General Liability coverage.
Water Back-Up and Sump Pump Overflow
Covers loss or damage caused by waterborne material backed up from sewers, drains, sump pump, or if the overflow results from a mechanical breakdown of related equipment.