Business Owners Policy

Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the business owners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

Life Insurance

Life Insurance – What are the principal types of life insurance? There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life. Life insurance products for groups are different from life insurance sold to individuals. The information below focuses on life insurance sold to individuals.

Commercial Auto Insurance

Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others. Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles. If you, or any of your employees have an accident in your business’s car, you may be liable for bodily injuries, lost wages or any damage caused.

Company Claims Phone

Insurance Company Phone Number
Acuity 800-242-7666
American Modern 800-375-2075
Foremost 800-527-3907
Hartford 866-574-4833
Badger Mutual 800-837-7833
MetLife 800-638-5433
Progressive 800-PROGRESSIVE
State Auto 800-766-1853
Pacific Specialty 800-962-1172
Safeco 800-332-3226