Southern Mutual is proud to offer a robust line of commercial insurance product offerings. We are continuing to develop additional products and coverages in this rapidly expanding segment of our business. We offer a complete line of commercial property and casualty products designed for the small or medium business, including:
Please note that all products, discounts and programs may not be available in all states.
Our Businessowners Insurance program has been designed to fill your unique business insurance needs and provide the protection you want! Property coverage is provided for your building and contents, and liability coverage is provided for the legal liability exposures unique to your business.
Your business personal property is also covered for the specific limit you choose, whether in your place of business or in transit. In addition, we offer a broad array of optional coverages to fill those "special" needs of most businessowners. The result is a custom-tailored insurance plan just for you.
For several classes of businessowners, we have added an array of "BOP Select" Businessowners products. These products target certain types of businessowners, and provide special coverage options that fit their unique insurance needs. We offer "BOP Select" insurance products for the following classes of business:
- Appliance Store Owners
- Barber/Beauty Shops
- Card and Gift Shops
- Clothing and Apparel Stores
- Funeral Homes
- Offices and Office Condos
- Optical Goods Stores
- Pharmacies
We have also added several "Wholesale Only" classes to our BOP Select program for wholesale businesses such as:
- Beverage Distributors
- Electrical Supply Distributors
- Radio, TV and Stereo Distributors
- Sporting Goods Distributors
- Stationery or Paper Products Distributors
Our Tradesman's Advantage Contractor's Program caters to artisan contractors as a specialized program designed to address the specific insurance needs of a contracting business. Property coverage is provided for your building and contents, and liability coverage is provided for the legal liability exposures unique to your business.
Your tools and equipment can be covered - whether they are in your shop, in your truck or at the job site. From small hand tools to larger equipment like backhoes - all can be insured in our Contractor's Program. In addition, we offer a broad array of optional coverages to fill those "special" needs of contractors. The result is a custom-tailored insurance plan just for you.
Our Commercial Package Insurance Policy is designed for those larger businesses or other enterprises that do not fit into one of our specialized programs (such as Businessowners, BOP Select, or Tradesman's programs). This product is designed to be flexible, in that a business owner may pick and choose from a list of monoline insurance coverages to provide the customized protection desired. Property and liability protection may be selected from the following list of monoline insurance coverages:
- Commercial Fire and Allied Lines Insurance
- Commercial General Liability Insurance
- Commercial Inland Marine Insurance
- Commercial Crime Insurance
- Commercial Boiler and Machinery (Systems Breakdown) Insurance
Our Silver Series Property Coverage Enhancement Endorsements are a popular option available for most Commercial Package Policies. This option includes many additional or increased coverages packaged together at a very reasonable cost.
An essential coverage required by most businesses is Commercial Automobile Insurance. Our program provides property damage and liability protection for a single vehicle or an entire fleet of vehicles. We offer competitive base rates and are able to adjust these rates for businesses that have demonstrated favorable loss experience.
Our Commercial Excess Liability (Umbrella) Insurance policy provides an additional layer of liability protection over and above that provided by underlying commercial policies such as Businessowners, Tradesman's Advantage Contractor's, General Liability and Commercial Automobile. This additional liability coverage may be added to protect your business assets against multi-million dollar lawsuits which may develop as a result of catastrophic incidents. Should your business be held legally responsible for such an incident and your underlying policy limits are exhausted, our Commercial Excess Liability Policy will provide coverage up to the selected policy limit amount.
Our Workers' Compensation Insurance products provide the protection necessary to your business in compensating employees for medical expenses and lost wages that result from a work-related injury. We offer competitive rates tiered according to the size of your business and attractive dividend plans that reward favorable safety records with return of premium dollars.
