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Small Business Insurance

Get a coverage that works for your business

You work hard at your small business—you need a small business insurance policy that works just as hard for you. If you own a small business in the construction, retail, IT industries or other similar industry, small business insurance protects your investment. Our agents are here to learn more about your business and match the coverage your business needs to stay protected and focused on what you do best.

Small business insurance policies that work around the clock

With Ellington Mutual, find the best small business insurance to meet your needs.

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Coverage details for small businesses

Explore the kinds of businesses our small business policies work best for and what to expect with a policy from Ellington.

Artisan Program

The artisan program provides a package policy that includes property and liability coverage. This is ideal for contractors in areas like:

  • Carpentry
  • Painting
  • Interior design
  • Floor covering
  • Electrical work
  • Cleaning services

Business Owners Program (BOP)

A Business Owners Program policy keeps your small business protected. This is ideal for:

Retail businesses such as:

  • Florists
  • Grocery
  • Photo equipment
  • Clothing

Service businesses like:

  • Camera and watch repair
  • Hair and nail salon
  • Taxidermists

Habitational businesses that own multiple properties for rent.

  • Apartment buildings
  • Duplexes
  • Single-family rentals

Home-based Business Insurance Program

When you work out of your home, a Home-Based Business Insurance Program is a low-cost coverage option meant for attaching to a personal policy that already covers things like:

  • Offices
  • Service businesses
  • Retail and craft stores
  • Bed and breakfast
  • Food sales

Property Coverage

Property coverage provides basic, broad, and special coverage for buildings and personal property used for your small business, including deductible options with premium credit. Optional coverage is available for:

  • Broken glass or damaged signs
  • Tenant improvements
  • Loss of earnings
  • Money and securities loss

Liability Coverage

Liability coverage for your small business includes bodily injury and property damage liability, medical payments, products and completed operations, fire legal liability, personal injury and advertising injury liability.

Package policies available

A package policy conveniently bundles property and liability coverage to help small business owners feel protected and sleep easier at night.

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Get a Wisconsin small business insurance quote

Local agents look out for your best interests and are located just down the road from you. Speak with an independent agent to determine which small business insurance policy is right for you.