Real Estate Industry

If you’re an experienced landlord, you’re running a complex operation that involves a lot of different people — and a wide variety of risk. The buildings you own and operate depend on multiple contracts from maintenance to landscaping. The people you rent to rely on your property and services, yet they also bring a mix of situations to the table. We get it and we can help.

Types of real estate businesses we insure:

Office buildings and complexes
Apartment buildings and complexes
Lessor's risks

Coverage for real estate businesses:

For condos, protections for liability faced by directors, officers and trustees of the Condo Owners Association.
Business Income and Extra Expense (Loss of rents)
Backup of sewers and drains
Coverage for property you acquire during your policy period.
Outdoor property coverage, for things like common areas and structures, like a gazebo or swimming pool.
Data Compromise coverage due to the personal data you collect from tenants.
Employment Practices Liability - including Third Party, for the many employees and contractors you hire to keep your operation running.

Other resources

Types of real estate businesses we insure:

- Office buildings and complexes
- Apartment buildings and complexes
- Lessor's risks

Coverage for real estate businesses:

- For condos, protections for liability faced by directors, officers and trustees of the Condo Owners Association.
- Business Income and Extra Expense (Loss of rents)
- Backup of sewers and drains
- Coverage for property you acquire during your policy period.
- Outdoor property coverage, for things like common areas and structures, like a gazebo or swimming pool.
- Data Compromise coverage due to the personal data you collect from tenants.
- Employment Practices Liability - including Third Party, for the many employees and contractors you hire to keep your operation running.

Other resources

Tips for talking with your agent

Provide documentation for all the various employee and contractor relationships you have.
Share an example of your typical lease agreements with tenants with your agent.
Consider the risk of data you collect from tenants and business partners and discuss appropriate coverage with your agent.

Find a local Agent

Retail Industry

Whether located in a small town or large city, retail businesses are at the heart of every Main Street and Boulevard across the country. Just as location and design are key components of every store, so is managing risk.

Services to help protect your retail business

Risk engineering guidance to help prevent losses from occurring

Claim service tailored to the retail industry

You know what your shoppers need and expect from your store. We know what you need in a risk management program.

Property coverage for your stock, products, your signs and building
Equipment Breakdown for your computers and electrical equipment such as security cameras or refrigeration equipment, and more!
Liability coverages for slips and falls, product liability, and coverage for customer items in your care
Commercial auto insurance for your business vehicles
Worker's Compensation coverage for your employees
Umbrella policies to add an extra layer of protection

You know what your shoppers need and expect from your store. We know what you need in a risk management program.

- Property coverage for your stock, products, your signs and building
- Equipment Breakdown for your computers and electrical equipment such as security cameras or refrigeration equipment, and more!
- Liability coverages for slips and falls, product liability, and coverage for customer items in your care
  Commercial auto insurance for your business vehicles
- Worker's Compensation coverage for your employees
- Umbrella policies to add an extra layer of protection

Contracting Industry

Everywhere we live, work and play exists thanks to the hard work and craftsmanship of contractors. If you’re one of the six million contractors in the United States, you’re well aware of the unique and complex operations that must be addressed by your contractors insurance.

Insurance products designed for contractors and subcontractors

Understanding of the specific risk involved in a complex contractor operation

Support from a local agent who knows you and your community

Residential

Plumbing and HVAC
Flooring
Tile
Painting / Wall Covering
Glass
Masonry
Finish Carpentry
Electrical

Commercial

Plumbing and HVAC
Flooring
Tile
Painting / Wall Covering
Glass
Masonry
Framing
Excavation
Drywall and Insulation
Commercial Building Construction

Coverage for contracting businesses:

Care, custody and control
Per project / per location aggregate
Contract penalty reimbursement
Additional insureds
Fellow employee coverage
Waiver of subrogation
Equipment breakdown
Employment practices liability
Inland marine coverages
And more

Residential

- Plumbing and HVAC
- Flooring
- Tile
- Painting / Wall Covering
- Glass
- Masonry
- Finish Carpentry
- Electrical

Commercial

- Plumbing and HVAC
- Flooring
- Tile
- Painting / Wall Covering
- Glass
- Masonry
- Framing
- Excavation
- Drywall and Insulation
- Commercial Building Construction

Coverage for contracting businesses:

- Care, custody and control
- Per project / per location aggregate
- Contract penalty reimbursement
- Additional insureds
- Fellow employee coverage
- Waiver of subrogation
- Equipment breakdown
- Employment practices liability
- Inland marine coverages
- And more

Tips for talking with your agent

Provide documentation of all of your various employee and contractor relationships you have.
Bring in a list of your equipment, including any equipment you may lease or rent.
Discuss your most recent 3-5 jobs.
Have a copy of your most current payroll audit available. In addition to providing accurate payroll information, this can help your agent determine the best class code(s) for your policy, which may help you avoid large swings in your audit bills or credits.

Find a local Agent

Winery Insurance

You’re focused on the science behind the perfect grape. We’re focused on protecting your winery business.

Experienced-local-professionals

Insurance tailored to the needs of a winery operation

Shield your business from extraordinary

Help managing the food processing risks faced by wineries

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Flexible coverage for peak and off-season inventory

We’re focused on protecting your winery business.

State Auto provides an insurance solution from the vine to the glass.
Our team is focused on and knowledgeable about winery operations and food processing.
Online access to resources to help you reduce losses.

The right blend of insurance coverage for vintners

State Auto offers insurance to cover the specific needs of wineries.
We understand that your worst-case scenarios are different from other businesses.
You need protection in case of wine leakage, contamination or spoilage.
If you're dependent on a key supplier and that operation shuts down, do you have a backup plan in place?
You need protection in case you lose income while your supplier gets back in business.

Managing risk at your winery

We'll review your plans with you and your agent.
Together, we'll find ways to update your safety and risk management processes to get the best outcome for your business.
You can also access our online resources, including sample safety and hazard awareness plans to make managing your risk in the winery business straightforward.

We’re focused on protecting your winery business.

- State Auto provides an insurance solution from the vine to the glass.
- Our team is focused on and knowledgeable about winery operations and food processing.
- Online access to resources to help you reduce losses.

The right blend of insurance coverage for vintners

- State Auto offers insurance to cover the specific needs of wineries.
- We understand that your worst-case scenarios are different from other businesses.
- You need protection in case of wine leakage, contamination or spoilage.
- If you're dependent on a key supplier and that operation shuts down, do you have a backup plan in place?
- You need protection in case you lose income while your supplier gets back in business.

Managing risk at your winery

- We'll review your plans with you and your agent.
- Together, we'll find ways to update your safety and risk management processes to get the best outcome for your business.
- You can also access our online resources, including sample safety and hazard awareness plans to make managing your risk in the winery business straightforward.

Minor Violation and Accident Forgiveness

Accidents happen. Speeding tickets happen. Even to responsible drivers. We think responsible drivers like you deserve a break.

Accident free so far? You could save money if an accident does happen

No minor violations? Your first one may be waived

Included in Protection Plus and Premier Auto offerings

You could avoid an insurance rate increase

Did you know that insurance rates may increase after a fender bender, after rolling through a stop sign or other moving violation?
Our Accident Forgiveness and Minor Violation benefits may help you avoid this and even end up saving you money down the road.

We want to reward you

If you're free of accidents and violations for a period of 35 consecutive months, your first accident and first minor violation may be waived.
Coverage available for new auto policies only. Availability may vary by state.
Not available in the standard offering.

You could avoid an insurance rate increase

- Did you know that insurance rates may increase after a fender bender, after rolling through a stop sign or other moving violation?
- Our Accident Forgiveness and Minor Violation benefits may help you avoid this and even end up saving you money down the road.

We want to reward you

- If you're free of accidents and violations for a period of 35 consecutive months, your first accident and first minor violation may be waived.
- Coverage available for new auto policies only. Availability may vary by state.
- Not available in the standard offering.

Coverage for all your car insurance needs

Get insurance for both your car and your home with State Auto to simplify your policies and save money (for homeowners, condo owners and renters).

Add AutoXtended and HomeXtended to increase protection for losses not commonly covered in typical policies.

Get umbrella coverage to avoid gaps in coverage.

What is a Fortified Home or Business?

What does FORTIFIED mean? Think roofs, windows, doors, the foundation and more, that are built or updated to meet required, exceptional building standards in order to protect against specific severe weather events.

Who created the FORTIFIED program? Insurance Institute for Business and Home Safety

Why FORTIFIED? Having a FORTIFIED home means you're reducing the chance of having to rebuild or incurring a major financial loss if severe weather would strike. But more importantly, you, your family and your pets will be better protected.

How do I qualify for the Fortified discount?

First, your home or business must be FORTIFIED. The Insurance Institute for Business and Home Safety has a lot of great resources to help you understand their FORTIFIED program and standards. Learn how to have your home or business evaluated to see how you can better protect the things you love.

Then, you can save with us. Once you receive an official certificate to confirm your home or business has been FORTIFIED, submit it to your insurance agent to see how it may help you save on your insurance with us.

Identity theft recovery services

If you become a victim of identity theft, a fraud specialist will work with you to restore your identity.

The fraud specialist will assist with your credit reports, credit bureaus, bill collectors, government agencies and law enforcement.

They can also help rebuild your identity after a disaster such as a flood, hurricane or tornado.

Identity fraud expense coverage

State Auto's Identity Fraud Expense coverage can help pay for some of the expenses that result from identity fraud.

You'll have help with expenses like attorney fees, costs to notarize fraud affidavits and send certified mail, and lost income for time off work as you put your life back together.

Coverage and options may vary by state

Real Estate Industry

Types of real estate businesses we insure:

Coverage for real estate businesses:

Other resources

Types of real estate businesses we insure:

Coverage for real estate businesses:

Other resources

Tips for talking with your agent