Small business insurance

The right small business insurance policy meets you where you are. Grange understands your individual business needs and expertly customizes your small business insurance policy, so you can be confident in your protection while you focus on your goals.

Small business coverages

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  • Commercial Building and Business Personal Property
  • Business Liability
  • Business Income and Extra Expense
  • Equipment Breakdown

Customize your coverage with small business insurance add-ons

Delivery driver hands a package to a homeowner at the door
  • Employment Practices Liability Insurance (EPLI)
  • Cyber
  • Employee Dishonesty
  • Hired and Non-owned Liability
  • Contractors Tools and Equipment
  • Installation Coverage
  • Employee Tools
  • Non-owned Equipment
  • Damage to Premises Rented to You
  • E-Commerce
  • Theft of customer's property
  • Electronic data liability
  • Computer fraud and funds transfer fraud
  • And more tailored to your specific business

Common industries we serve


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Services

We insure service businesses, such as:

  • Barber Shops
  • Beauty Shops
  • Funeral Homes
  • Locksmiths
  • Nail Salons
  • Pet Grooming (No Boarding)
  • Photographer and Photographic Studios
  • Tailors
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Offices

We insure professional offices, such as:

  • Advertising Agencies
  • Auditing, Accounting and Tax Return Preparation
  • Chiropractors
  • Dentists
  • Engineers and Architects
  • Financial Planners
  • General Practice
  • Health Practitioner
  • Insurance Agents
  • Lawyers
  • Optometrists
  • Psychologists
  • Real Estate
  • Veterinarians
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Building owners

We insure commercial building owners who lease office, retail and service spaces.*

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Retail** and Mercantile

We insure shops, such as:

  • Automobile Parts and Accessories
  • Beauty/Barber Supplies
  • Clothing and Accessories
  • Coffee Shops (No Cooking)
  • Door, Window or Assembled Millwork (Sales with Installation)
  • Florists
  • Furniture Stores
  • Gift Shops
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Contractors

We insure contractors who serve clients by providing:

  • Carpentry (All Interior Work)
  • Carpet Cleaning on Customers' Premises
  • Concrete Construction (foundations and forms)
  • Door, Window or Assembled Millwork
  • Driveway, Parking or Sidewalk Paving
  • Dry Wall Installation
  • Electrical Work (within buildings)
  • Fence Erection
  • Floor Covering Installation
  • Gutter Installation
  • Heating and AC (Installation, Service or Repair)
  • Janitorial Services
  • Landscape Gardening
  • Lawn Care Services
  • Masonry
  • Painting (Interior or Exterior)
  • Plumbing (Residential)
  • Siding Installation
  • Tile, Stone or Marble Work (Interior Construction)

Additional Services

Risk management consulting

 

Small business insurance FAQs 


Insurance premiums for small businesses depend on the industry, business size, location, unique business needs and other factors. Talk to a Grange Independent Agent today to get a small business insurance quote.



A Businessowners’ Policy (BOP) can be a broad package of insurance products, depending on the type of business you own and the coverages you select. A BOP provides both property coverage and Business Liability coverage. General liability insurance is separate. It covers a bodily injury or property damage claim either on your business premises or while performing normal business operations. General liability coverage also helps businesses recover from personal and advertising loss such as legal costs and damages from libel, slander or copyright infringement.



A Businessowners Policy (BOP) includes building coverage, personal property coverage, business income coverage, equipment breakdown coverage and more. To learn more about the types of insurance your small business needs, work with a Grange Independent Agent to get a custom quote.


Read reviews from business insurance customers

“I've had my business insurance with Grange for 20 plus years. Never had a problem.”

– Landscaping company in College Grove, TN 


“Best insurance company my business has had for 50 years.”

– Auto electrical services in New Brighton, PA 

 

“Customer service is always fantastic! All our business needs are taken care of.”

– HVAC dealer in Joliet, IL 


Why we work with independent agents

Grange agents are in your community and ready to assist your small business needs!

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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

*Coverage is subject to the terms, conditions and exclusions of your policy.

**Retail excludes liquor, convenience and grocery stores.

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 and Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Pennsylvania