Business Coverages

Business Coverages

We keep your doors open.
You depend on things to run smoothly, but when they don’t, you can trust that we’ll be there to keep that OPEN sign of yours facing forward. If your business qualifies, Grinnell Mutual expands your property coverage with our Commercial Property Plus endorsement. We increase your limits of coverage for newly-acquired or constructed property, your personal effects and property of others, as well as property off-premises. We protect your bottom line from accounts receivable to valuable papers and records.

We keep you moving forward.
Your customers depend on you. And you depend on your company’s vehicles to get the job done. Whether your business vehicles move products, equipment, or employees, Grinnell Mutual’s Commercial Auto Plus endorsement provides over 20 coverage enhancements and extensions to your basic commercial auto policy at an affordable rate.

We understand that sometimes it’s tough being a business owner.
Even the most efficient and organized business can hit a snag from time to time. A product recall or an unexpected medical payout can send any business reeling, which is why Grinnell Mutual offers our Commercial General Liability Plus endorsement. If your business qualifies, we can expand your basic liability coverage, to include voluntary property damage, fire legal liability, and excess medical payments. When today is uncertain, we make sure your business has answers tomorrow.

We protect your good name.
Your customers trust your business to keep their personal data secure. At Grinnell Mutual, we don’t wait for a data breach to be a learning opportunity. We’re proactive from the beginning, which is why we partnered with Beazley, a leading insurer of technology and information security risks, to implement our Cyber Liability and Data Breach Response coverage. If your company suffers a cyber threat, Beazley offers insurance, loss control, and risk mitigation services that will notify and protect your valued customers.

We know people are the foundation of good business.
You do your best to operate a safe, secure work environment, but accidents and illnesses can happen in a split second. Astronomical medical bills, lost time, and temporary — or even permanent — loss of a valuable, experienced employee can send your business into a tailspin. Grinnell Mutual’s Workers’ Compensation insurance is an affordable benefit that protects you and your employees from various job-related injuries and illnesses. Whether the concern is medical, lost wages, rehabilitation, or even survivor benefits, you can trust that we’ll be there when the unexpected happens.

We value your resources.
The name’s a little bit funny, but the insurance is serious. Your business depends on its equipment to remain efficient, and our Inland Marine coverages make sure that the loss of those vital implements don’t close your doors. Whether you’ve got a fleet of construction cranes to contend with, a computer in every cubicle, or important documents filed away, we’ll make sure they’re protected.

  • Construction equipment and construction sites
  • Computer equipment and data
  • Property in transit
  • Accounts receivable and valuable
  • Fine art

Contact an agent today!