Ohio Mutual
is here to help with all your business insurance needs

Why Do You Need Business Insurance?

Simply put, to protect your business. No matter if you run a small shop without a lot of inventory or a large-scale corporation with thousands of employees, you have a lot invested in your business. All it takes is for one lawsuit, accident, or even a fire to ruin everything you’ve worked so hard to create.

Business insurance protects you from a number of different financial consequences, including: damage to your business’ property (including equipment and inventory), any resulting revenue loss, injury liability claims and damage to others’ property.

But every business faces different risks and needs coverage to reflect that, which is why there is no one-size-fits-all business policy. In fact, most businesses need to combine several separate, and uniquely tailored, policies to give them the comprehensive coverage they need.

Ohio Mutual Can Help With All of Your Business Insurance Needs

Ohio Mutual protects your family by insuring your home against damage from fire, smoke, windstorms, and other catastrophic risks. And if you’ve got a number of valuable personal items that you keep on you property (like collectibles, jewelry, firearms, and artwork), we offer additional coverage to make sure you’re covered for their full value . 

Every day, we continue to think of new ways to adapt our coverages and products to address new risks and concerns to modern homeowners. And that’s why we’ve added identity theft protection to our homeowners insurance repertoire, to help you feel the peace of mind you deserve.

We start by offering  the following business insurance policies:

  • Commercial property insurance
  • Commercial liability insurance
  • Inland marine insurance
  • Commercial automobile insurance

Once your basic insurance needs are addressed, we’ll tailor your coverage specifically to the risks your business faces on a day-to-day basis.

We also offer insurance plans that let you combine several types of coverage into a simple package policy. These packages give you the customized coverage your business needs in a convenient package.

Customized coverage tailored to your business needs:

  • Business package policy
  • Business owners policy
  • Artisan package policy
  • Special multi-peril policy

Property coverage

pays for damage to your business property (like buildings, warehouses, office furniture, machinery and inventory) after a covered event like a fire, a severe storm, or burglary.

Liability coverage

pays for medical expenses and property damages if your business is found responsible for injuring someone or causing damage to someone’s property.

Why Choose an Independent Insurance Agent? 

Independent Insurance agents work with Ohio Mutual Insurance Company to deliver the best value, service, and protection for every business’ unique needs.

  • Our agents are specifically chosen based on shared values and goals for our customers.
  • Every single independent agent is a licensed, knowledgeable professional who lives and works right in your community.
  • Each agent is dedicated to working for you, to help you find the products that are right for you.
  • Our agents have years of experience and know exactly how to cover the unique risks you face.
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Great, fair insurance company. Responsive to my inquiries. They truly care about their customers

Reviewed by Clearsurance

Business Insurance Coverage Options

Make sure you tell your agent all about your business and its needs so they can help find the right premier endorsements to give you protection you need. To help create a complete insurance package for your business, Ohio Mutual offers a number of add-on insurance protections, including:

  • Equipment breakdown coverage
  • Employment practices liability coverage
  • Hired/non-owned auto liability coverage
  • Professional liability coverage
  • Cargo coverage
  • Scheduled equipment coverage
  • Sewer and drain backup coverage

Where we insure

  • Ohio
  • Maine
  • New Hampshire
  • Rhode Island
  • Vermont
  • Connecticut
  • Indiana

What people are saying about Ohio Mutual insurance agents


Very great, to be honest. I love this company and I would gladly recommend it to all of my friends and neighbors.

Business Insurance Review by Clearsurance


This is a great company. Never had any issues with them and they are always there to help and answer questions.

Business Insurance Review by Clearsurance


Great, fair insurance company. Also responsive to my inquiries. They truly care about their customers.

Business Insurance Review by Clearsurance

It’s time to find your perfect Ohio Mutual insurance agent.