Business Insurance

INSURANCE COVERAGE TAILORED FOR YOUR BUSINESS

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Business Insurance from a company who knows Wisconsin

Choose from a broad range of coverage for large and small business insurance needs

We understand as business owners you work hard and take risks to be successful. When you’re insured with Rural Mutual, you’re not just a number. Every client is important to us, especially small business owners.

Local is better. We’re proud to be part of the communities we serve. A network of more than 100 locations across the state means our agents are your neighbors. We work hard to be good neighbors so you can be confident when you entrust your business’ future security to us. That’s part of keeping Wisconsin a great place to live and work.

Business Insurance Coverages

We are the 3rd largest insurer of business insurance in Wisconsin. Our custom business insurance plans allow business owners to feel confident that they are getting the protection they need at the right price with the best support.

Business Auto Insurance

Whether you’re a company of one or have a dozen employees, chances are you use some type of vehicle in the course of your work. Learn More >

Workers’ Compensation for Business

Manage workplace injuries with the right coverage and tools, like our 24/7 Rural Mutual Nurse Hotline. Learn More >

Equipment Breakdown Coverage for Business

Everything breaks down eventually. If you’re not protected, repairing or replacing this critical equipment can cost a fortune. Learn More >

Business Cyber Liability Coverage

We partnered with CyberScout to provide you with proactive, comprehensive data breach and identity theft protection services. Learn More >

*This page is intended to highlight the features and benefits of our Business Insurance. For a detailed description of exact coverages, limitations and exclusions, please refer to the policy.

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Additional Business Insurance Coverage

Spoilage Coverage

Spoilage coverage provides reimbursement to the business owner for lost perishable goods due to a power outage, breakdown or contamination.

Self-Storage Facility

We can provide you coverage when you are obligated to pay for property damage caused by you to your tenant’s property. We can also provide coverage for acts or omissions you are responsible for due to the lock-out, sale or removal of your tenants property if you are forced to sell or dispose of their property.

Professional Liability

We have a variety of professional liability endorsements available to protect you in the course of your business operations.

Tools and Equipment

Protect your tools and equipment used on and off job sites during the course of your operations as a contractor.

Contractor’s Errors & Omissions Liability

We can provide property damage coverage for your work if damage is caused by unintentional faulty workmanship while you are doing business.

Business Income

Also known as business interruption or extra-expense coverage. We have a wide range of business income options to protect your net income in a period of slowdown or temporary suspension due to direct physical damage to your property arising from a covered cause of loss.

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Learn and read about workplace safety solutions from Rural Mutual Insurance and Wisconsin Safety Council

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Rural Mutual’s Focus on Wisconsin Small Business Insurance

Rural Mutual Agent, Walter Camp talks with American Fireplace. We share the story about how agent accessibility and expertise diverted small business destruction and kept the doors open during a difficult time.

Keeping Your Business Insurance Affordable

Rather than put your business at risk, there are steps you can take to lower your rates while maintaining the protection of adequate business insurance.

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Business Insurance Learning Center

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