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Commercial
Insurance

At The Commonwell, we understand that local businesses are the backbone of our communities: the owner-operated and family businesses that make up over half of the companies and employers in Commonwell Country. We’re proud to say that over 8,000 business owners just like you trust us to safeguard their livelihoods and assets. 

Coverage Options
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COMMERCIAL INSURANCE

What We Cover

Explore our comprehensive commercial insurance options designed to protect your business:

Property Protection

Your business is more than a space, it’s everything you’ve built within it. From your building and equipment to your stock and contents, we help protect the assets that keep you running—so you can stay focused on what you do best.

Business Interruption

When the unexpected pauses your operations, your income shouldn’t stop too. This coverage helps replace lost income and cover extra expenses if your business is temporarily shut down due to a covered event.

Commercial General Liability

Accidents can happen—even with the best planning. Comprehensive liability coverage protects you if a third party experiences injury or property damage connected to your business.

Equipment Breakdown

You depend on essential equipment to keep your business running smoothly. This coverage protects you against mechanical or electrical breakdowns, helping you recover quickly when it matters most.

Crime and Cyber Protection

From theft to cyber breaches, crime doesn’t stop at the front door. This coverage helps safeguard your business from financial loss caused by crime, data compromise, or cyber attacks.

Tools and Equipment

Your tools go where you go—to the shop, the site, and everywhere in between. This coverage protects them while on your property, on the jobsite, or in transit.

Our dedicated brokers take the time to understand the unique aspects of your business, ensuring you’re protected wherever you operate.

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COMMERCIAL INSURANCE

Why Choose The Commonwell for Your Commercial Insurance?

Local Expertise

Our brokers don’t just work in your community—they take the time to understand what matters to you and are committed to helping local businesses thrive.

Personalized Service

We take the time to understand what makes your business unique—its people, place, and pace—so your coverage fits the way you actually work.

Peace of Mind

With over 125 years of experience and coverage you can count on, your business is protected, no matter what the day brings.

Resources

Important Things to Know

If you hire people to do work for your business, make sure they provide proof of valid liability insurance. This protects you if something goes wrong, whether it’s electrical work, renovations, or other services.

One of the most common risks is someone getting hurt on your premises. Keep walkways clear, maintain surfaces, and shovel snow promptly while applying salt or sand to icy spots—simple steps that keep people safe and help avoid potential claims.

If your goods leave your property—like selling at a farmers’ market—talk to your broker about a floater that protects your stock offsite.

Any changes to your business—like new services, higher revenue, or increased material costs—can affect your coverage. Keep your broker informed so your building and assets stay adequately protected.

Renovated your building or upgraded systems like breakers or the roof? Let your broker know—these updates could affect your rates and may even qualify you for discounts.

If you have a separate building on your property used for business, it isn’t covered under a homeowner’s policy. You’ll need a separate commercial policy to protect it.

Your business is the result of hard work, long days, and dedication. Connect with a Commonwell broker today to protect what you’ve built with coverage that truly understands your journey.

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