Expert advice and custom business coverage

Be confident that your business is protected from accidents, employee lawsuits, workers’ compensation claims and more with the right business insurance policy.

Grange independent insurance agents understand the unique needs of your business and tailor a policy to protect everything you’ve worked hard to build.

Customized business insurance

Build a custom policy with the correct coverages to protect your business. 


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Commercial Property and Auto

Restore business property and vehicles after damage or loss due to covered events. 
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Commercial Liability

Coverage for claims related to bodily injury or property damage, including legal expenses and settlement costs.
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Commercial Umbrella

Extend your Commercial Liability protection to higher limits.
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Protect your business from security threats and recover if you fall victim to a cyberattack.

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Equipment breakdown coverage

Repair or replace the equipment and technology you use to run your business.

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Employment Practices Liability Insurance (EPLI)

Protect against employment-related lawsuits.

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Commercial Package for Farm

We offer flexible options to protect your property, from orchards to hobby farms to livestock and more.
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Workers' Compensation coverage

Protect your business and employees from injuries that may occur on the job.

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Common industries we serve

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We insure a variety of businesses with quality commercial insurance. A few typical industries include:




Services that set us apart

Risk management consulting

Partnering with our Risk Control Consultants improves workplace safety and helps you manage business risks.
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Nurse triage program

Provide your employees with 24/7 access to a registered nurse after work-related injuries as part of our workers’ compensation offering.

Premium audit

Understand the current insurance needs of your business and ensure you’re only paying for the coverage you need.
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Explore additional business insurance resources 

Why we work with independent agents

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They work for you to find the right coverage

Independent agents work for you. They consider the type of insurance your business needs to be properly protected and find the best options for you.

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It’s easier to comparison shop

Working with an independent agent makes it easy to compare policies and ask questions. You won’t have to wonder if you’re on the right track in your hunt for comprehensive insurance, since you’ll have an expert in your corner each step of the way.


Learn more about our partnership with independent agents

Read reviews from business insurance customers

We have been with Grange for over seven years and have had a great rate that we haven't been able to beat!

– A concrete contractor in Swanton, OH

Our previous business insurance increased significantly over the last several years. Our agent suggested Grange. Their policy offered better coverage and a more affordable cost. It’s easy to pay online as well.

– A construction company in Louisville, KY

I appreciate being able to make a call with an issue or question and get the problem solved. Time is my most precious commodity, so this means the world to me.

– A bakery in Oregon, OH

Peace of Mind and Protection – Urban Industries

When a tornado destroyed two of Urban Industries' buildings, we stepped up to get them back in business. Hear what they have to say about Grange in this video.


Business insurance frequently asked questions

This depends on multiple factors, including the type of business you own and the coverages you select. Choosing the right insurance is easy when you work with an independent insurance agent. They can ensure you have the right coverage for your business and explain what your policy covers.

Umbrella insurance provides additional liability coverage that goes beyond the limits of your primary commercial insurance policy. It provides broader coverage for a wider range of risks and usually applies after you exceed the limits of your primary policy.

The best way to compare policies is to work with an independent agent. They can provide multiple quotes and explain what coverages are included.

Speaking with your independent insurance agent is a great way to improve your business insurance. They can review your current policy and suggest additional coverage options or changes you should consider.

Grange conducts regular reviews of business insurance policies (called a premium audit) to help customers ensure they have up-to-date and comprehensive coverage for their business.

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Pennsylvania