Business Insurance

In a world full of hard choices, insuring your business with Rural Mutual Insurance may be one of the easiest decisions you’ll ever make. We design coverage plans that fit the exact needs of:

  • Sole proprietorships
  • Partnerships
  • Corporations

Business and Commercial Property Coverage


Includes completed additions, permanently installed fixtures, and personal property used to maintain or service the building or premises such as: fire extinguishing equipment, outdoor furniture, floor coverings, appliances used for refrigerating, ventilating, cooking, dishwashing or laundering, and your personal property in apartments or rooms furnished by you, the landlord.

Business Personal Property

Includes property you own that is used in your business while in or on buildings at the described premises, or while in the open or in a vehicle within 100 feet of the described premises; includes: furniture and fixtures, machinery and equipment, stock, property of others that is in your care, custody or control for which you are legally liable, plus the cost of labor, materials or services furnished or arranged by you on personal property of others, and your interest as a tenant in improvements and betterments.

Business Property Additional Coverages and Extensions

  • Preservation of Property
  • Fire Department Service Charge
  • Business Income
  • Extra Expense
  • Electronic Data
  • Pollutant Clean Up
  • Interruption of Computer Operations
  • Money Order and Counterfeit Money
  • Forgery and Alteration of Checks
  • Newly Acquired or Constructed Property
  • Personal Property Off-Premises
  • Outdoor Property
  • Seasonal Increase Business Personal Property
  • Debris Removal
  • Accounts Receivable
  • Valuable Papers and Records
  • Ordinance or Law Coverage
  • Equipment Breakdown
  • More
  • Liability Coverage

    Business Liability provides coverage for your legal obligation for Bodily Injury and Property Damage.

    Liability Coverage Operations

    • Premises and Operations
    • Products Liability
    • Completed Operations Liability
    • Contractual Liability
    • Damage to Premises Rented to You
    • Non-Owned Watercraft
    • Personal and Advertising Injury
    • Incidental Medical Malpractice
    • Medical Expenses
    • Host Liquor Liability
    • Employees as Additional Insured
    • Sale and Disposal
    • Customer’s Goods Legal Liability
    • Non-Owned Auto
    • Hired Auto
    • Employee Benefits Liability
    • Employment Practices Liability
    • Liquor Liability
  • More
  • Business Auto Insurance

    Protect the vehicles that play a vital role in your business. Rural Mutual provides commercial auto coverage for the cars, vans, trucks and trailers used in your business. Commercial Auto coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property. If your business owns a car or truck, or a fleet of vehicles, you need Rural Mutual’s commercial auto insurance.

    Automobile Liability

    Provides coverage for your legal obligations for damages because of bodily harm, sickness or disease, including death; and for property damage arising out of the ownership, maintenance or use of the insured auto.

    Uninsured Motorists

    Pays damages for bodily injury which an insured person is legally entitled to recover from the owner or operator of an uninsured motor vehicle.

    Underinsured Motorist

    Provides coverage when a bodily injury liability bond or policy applies at the time of the accident but the limits for bodily injury liability of that bond or policy are less than the insured’s Underinsured Motorists Coverage limit.

    Medical Payments

    Provides coverage which pays all reasonable expenses incurred within three years after the date of an accident. Coverage is for necessary medicals, surgical, X-ray, dental and chiropractic services. This includes necessary ambulance, hospital, professional nursing, and funeral services for bodily injury to an insured person.

    Comprehensive Coverage

    Pays you for any direct loss of or damage to the auto for any cause except collision or overturn.

    Collision Coverage

    Pays for loss or damage from collision of your car with another object or overturn of your auto. This coverage applies regardless of who is at fault.

    Additional Coverage & Services Available

    This information is intended to highlight the features of Rural Mutual’s Business Insurance programs. For a detailed description of exact coverages, limitations, conditions and exclusions please refer to the policy itself and any endorsements.

    To learn more about available Business insurance coverage or to get a quote, contact a Rural Mutual agent.