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Commercial/Business Insurance Coverages Protect the Heart of Your Business


Every business is unique—different cultures, services, products, locations, sensibilities, customers, and employees—so you don’t want a “cookie cutter” insurance policy. Badger Mutual Insurance Company agents take the time to get to know your business, your concerns, and your goals. Then they tailor our coverages to meet your individual needs. Our agents will start by reviewing your existing policy and point out any gaps or additional coverages you may want to consider.

Commercial Package Policies


The following is a list of standard business insurance coverages and a brief explanation of what they typically include. (Note: the descriptions here are for general informational purposes only. For specifics about the types of insurance coverages, limits, and what your policy contains, contact your local insurance agent.)

Property—this coverage helps protect your business from major financial loss when your property and/or physical assets are stolen, damaged, or destroyed in a fire or natural disaster. Many property insurance policies also protect business property when is being used at a location other than your primary place of business.

General Liability—this coverage protects your business from another person or company’s claims of bodily injury due to negligence, the products you make, or services rendered; property damage arising from normal business operations; and advertising. This coverage includes attorney fees, associated medical costs, judgements or settlements, and more. The following are examples of the types of claims that fall under each category and is not a complete list:

  • Bodily Injury—this coverage includes physical injuries to customers or bystanders. Examples include a customer slipping on a newly waxed floor, a passerby falling on the ice outside your door, or patrons becoming sick from food poisoning. Note: Employee injuries are not covered by general liability insurance. They are covered by Workers’ Compensation Insurance.
  • Property Damage and Data Loss—this coverage includes accidents that occur while working at a customer’s location. Examples include spilling coffee on a client’s server causing damage and loss of data, inadvertently puncturing a gas pipe while installing some equipment, or bumping into racks of merchandise causing the items to fall and break.
  • Advertising Injury—this coverage includes claims of damages to a person’s character or reputation. Examples include libel, slander, customer discrimination, and similar accusations. It also includes advertising claims, for example, using artwork, photos, or logos that you did not create or do not have permission to use.

Glass—most businesses do not need extra coverage for glass and simply rely on the standard coverage. Your company may want to consider extra coverage or higher limits if your building has an extensive amount of exterior glass, skylights, or illuminated business signs. Talk to your insurance agent about the type and amount of glass coverage you may need.

Crime—while most business owners don’t want to consider it, crime can and does happen. Sadly, it is not always an anonymous criminal committing the crime—sometimes it’s an employee forging the owner’s signature on checks or improperly transferring funds. A commercial crime policy also covers computer fraud, kidnap, ransom, or extortion requests, as well as counterfeiting and securities issues.

Inland Marine—the unusual name for this coverage evolved from insurance companies that were originally protecting seafaring cargo. Today, inland marine covers your property and material during transit, as well as the property of others at your location or during transit. Examples include fine art or medical equipment that is damaged during delivery to the customer, sales reps who have laptops stolen on a sales call, or construction equipment that is damaged on the job site. This coverage is typically over and above standard insurance limits.

Workers’ Compensation


Workers’ compensation insurance is required by law in almost every state and typically covers injuries or illnesses that occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

Badger Mutual Workers’ Compensation coverage is written along with your commercial package policy, so customers receive one convenient invoice. Dividends and discounts are available depending on location.

Umbrella Insurance


business umbrella policy provides an “umbrella” of liability protection over primary liability insurance. For example, your business has a policy with $1 million in liability limits, but your company is involved in a lawsuit where the settlement is $1.5 million. Without umbrella coverage, your business would be responsible for paying the outstanding $500,000. For many small businesses, that amount may be the difference between staying open or closing the doors. Umbrella insurance is designed to fill that gap and help you keep your business operating.

Umbrella coverage is available with commercial insurance package policies. Contact your local insurance agent for additional details.

Equipment Breakdown Coverage


This coverage offers extra protection for electrical, mechanical, or digital equipment used by your business, including heating, cooling, and refrigeration systems; computers and communication equipment; and more. It can pay for the cost to repair or replace the damaged equipment in the case that there is physical damage, as well as cover the cost of service interruption.

Equipment Breakdown coverage is available with commercial insurance package policies. Contact your local insurance agent for additional details.