Let’s have a frank conversation.

Small Business Insurance

Small Business Insurance

You work hard. Let our small business insurance work hard for you.

At Frankenmuth Insurance, we recognize the vital role small businesses play in the economy and local community. That’s why we offer comprehensive small business insurance to ensure your company is properly protected for whatever lies ahead.

For most small businesses, a businessowners policy (BOP) is a cost-effective solution that combines general liability and commercial property into one policy. Businessowners policies work especially well for contractors, retail stores, professional offices, personal services, wholesalers, and distributors.

Standard policy features include:

  • Business liability: Was someone injured at your business, while using one of your products, or while participating in a service you offer? Business liability covers related legal and medical costs up to the limit of your policy.
  • Commercial property: This feature protects your building and its contents. This includes items like computers, office furniture, mechanical equipment, inventory, and more.
  • Business interruption insurance: If you need to close your doors temporarily because of a covered loss, this coverage offers financial protection.

Although businessowners policies are pre-made, additional coverages can be added to fit your small business needs. It all begins with a frank conversation with one of our trusted advisors. Our local, independent agents take the time to get to know you to ensure you have the comprehensive coverage you need to help protect the business you’ve worked hard to build.

Do you operate one of these types of businesses?

Great! Our policies can be tailored by industry segment, with variable limits, to ensure you have comprehensive coverage. Ask your agent about our Diamond, Premier, and Select coverages.

Additional coverages for small businesses

Workers compensation

Coverage for your employees that pays medical bills and lost wages resulting from work-related illnesses and injuries. This coverage is required in most states.

Employment-related practices liability (EPLI)

Coverage for legal fees associated to employee lawsuits for claims of discrimination, harassment, wrongful termination, and more.

Inland Marine premises off property

Coverage for mobile, off-premises property that becomes lost, stolen, or damaged.

Hired and non-owned auto liability

Coverage for leases, rentals, and employee-owned vehicles that are used for business operations.

Equipment breakdown

Coverage to help you recover from damaged mechanical equipment and building systems, loss of business income, spoiled inventory, and costs associated with mandatory inspections.

Professional liability

Also called errors and omissions (E&O), this coverage pays legal expenses if your business is sued for unsatisfactory work.

Employee benefits liability

Coverage to help you recover from claims filed by employees related to negligent administration (communication, record keeping, termination) of their benefits plan. Benefits may include group insurance coverage, pension plans, stock options, and more.

The Frankenmuth Insurance difference

When you place your trust in Frankenmuth Insurance to protect your livelihood, we work hard to earn and keep your business with honest, open, and upfront service — every single time. Because we’re people, just like you.


AM Best rating


Better Business
Bureau rating


Claims service satisfaction rating


of businesses in the US are underinsured by 40% or more.