Small Business Owners

Republic Western Insurance Company has been insuring small business owners for over 25 years. We have developed programs specifically designed to meet your needs, which includes the following coverages: property, liability, inland marine, crime, auto and umbrella insurance.

Insurance coverage is available in Alabama, Arizona, Florida, Idaho, Louisiana, Nevada, North Carolina and Oregon.

You can use our Small Business Owners claim form to submit a claim online.

Standard Coverage Includes:

Business Property - Your business property is covered from direct physical loss or damage (subject to the terms, conditions and exclusions of the policy). This includes replacement cost coverage on buildings and business personal property. Actual cash value coverage is also available. Various deductible options are available.

Business Income - Your income is covered against direct physical loss or damage to business property. Coverage is provided for loss of income and the extra expenses incurred in the event that your operations are suspended due to an interruption by a covered cause of loss.

Business Liability - Coverage for bodily injury and property damage sums that you are legally obligated to pay in connection with the operations scheduled in the policy, subject to the exclusions.

Premises Medical Payments - Covers you against claims for medical expenses arising from accidents on your premises.

Available Optional Coverages:

Various Inland Marine Coverage Including, But Not Limited To:

Accounts Receivable - Covers amounts due from your customers that you are unable to collect including interest charges, collection expenses incurred in trying to collect on monies owed to you and expenses incurred to re-establish your accounting records.

Valuable Papers - Covers loss to your valuable papers and records or property of others in your care, custody and control.

Sign Coverage - Covers exterior signs on a scheduled basis.

Electronic Data Processing Equipment Protection - Insures against direct physical loss or damage to electronic data processing equipment and components, including property which is owned, leased, rented or under the care, custody or control of the insured and for which the insured may be held liable, subject to a $250 minimum deductible.

Transit - Covers your property while in transit until the property is unloaded at the destination.

Employee Dishonesty - Provides coverage for your monetary or other business personal property loss incurred by you as a result of the dishonest or fraudulent acts of an employee, subject to a $250 minimum deductible.

Crime - Covers your money and securities from theft and/or burglary inside and outside your premises.

Auto - Provides coverage for Liability, Medical payments, Uninsured/Underinsured Motorists, Personal Injury Protection (PIP or No-Fault)** coverage, comprehensive and collision for vehicles you use in your business.

Umbrella - This coverage provides an extra layer of business liability coverage against financial disabling losses. A self insured retention is applicable to this coverage.

** Applies in certain states