Business Owners' Policy

Known as the "BOP." Combines general liability and property coverages into one convenient policy.

We specialize in specific industries, including:

Thousands of businesses close every year from sudden, catastrophic events.

Over 80,000 non-residential building fires occur in the U.S. each year
Winter storms, tornadoes, water damage, theft and vandalism also cause major losses
40% of businesses never reopen; another 25% close within a year

We specialize in specific industries, including:

Thousands of businesses close every year from sudden, catastrophic events.

- Over 80,000 non-residential building fires occur in the U.S. each year
- Winter storms, tornadoes, water damage, theft and vandalism also cause major losses
- 40% of businesses never reopen; another 25% close within a year

Tips for talking with your agent

Document your peak seasons and inventory patterns
Share if you take business off your property
Advise if you store any of your customers' information in your database
Discuss whether you own or rent your building where your business is housed or if you operate out of a brick and mortar building

Find a local Agent

Business Auto

Driving is usually a given for any type of business. You might be delivering products, driving to service locations or managing a fleet of drivers and vehicles.

State Auto's business auto policy offers choices to meet your needs.

Your local agent helps determine what you need based on how you use vehicles in your business.

We’ll provide resources to help make sure your drivers are safe.

Does your business depend on driving?

Your agent will talk through the details of how your business needs drivers and vehicles to operate.
How much do you drive? Which types of cars, trucks or other vehicles do you use? Do you own them or lease them?
The amount and type of insurance you need will depend on the answers to these questions.

Using personal cars for business driving

You jump in your own car to run out for more office supplies. You use the company truck on a weekend to help a friend move. It doesn't seem like a big deal, until there's an accident.
Think carefully about possible scenarios where a personal car might be used for business or vice versa.
Your agent can help you make sure these and other important details are considered.

Does your business depend on driving?

- Your agent will talk through the details of how your business needs drivers and vehicles to operate.
- How much do you drive? Which types of cars, trucks or other vehicles do you use? Do you own them or lease them?
- The amount and type of insurance you need will depend on the answers to these questions.

Using personal cars for business driving

- You jump in your own car to run out for more office supplies. You use the company truck on a weekend to help a friend move. It doesn't seem like a big deal, until there's an accident.
- Think carefully about possible scenarios where a personal car might be used for business or vice versa.
- Your agent can help you make sure these and other important details are considered.

Tips for talking with your agent

Be prepared to talk about everyone who drives for your business, both on a regular basis or "as needed".
Document the vehicles you use - the types of vehicles, whether you own or lease them, their condition, etc.
Let your agent help you brainstorm other possible ways driving might be involved in your business, in case there's something you haven't thought of.

Find a local Agent

Personal Umbrella

You know that feeling you get when it’s raining and you remember you have an umbrella? Just knowing it’s there provides extra peace of mind.

Additional layers of liability coverage over your underlying limits and policies

Insure your auto with us to qualify

Coverage for additional liability exposures

Umbrella highlights

Minimum underlying limit requirements are 250/500 split limit, or
$300,000 combined single limit for auto personal liability; $300,000 for homeowners personal liability
Must meet the minimum required limits on your underlying Auto and Homeowners policies

Additional benefits

Earn a Multi-Policy discount on your Umbrella policy when you write your Auto, Homeowners, Farm and Ranch, or Commercial (other than Auto) policies with us
Coverage for additional liability exposures such as incidental offices, home day care, business pursuits, and rental or farm property may be written

Umbrella highlights

- Minimum underlying limit requirements are 250/500 split limit, or
- $300,000 combined single limit for auto personal liability; $300,000 for homeowners personal liability
- Must meet the minimum required limits on your underlying Auto and Homeowners policies

Additional benefits

- Earn a Multi-Policy discount on your Umbrella policy when you write your Auto, Homeowners, Farm and Ranch, or Commercial (other than Auto) policies with us
- Coverage for additional liability exposures such as incidental offices, home day care, business pursuits, and rental or farm property may be written

Tips for talking with your agent

Your agent will help you review your home and auto policies to determine what additional coverage you may need.
Give some thought to your potential risk of being sued if the worst happens.
Take stock of your ability to face a lawsuit financially.

Find a local Agent

Business Liability

You have investments and people to protect. We have the expertise to get it done.

Knowledge of general liability protection to cover the basics

Deep knowledge of the protection different types of businesses need

Local agents who will work with you one-on-one to get you covered

Liability that most businesses face

The insurance industry calls this category "general liability."
These are the types of liability most commercial operations of any size will face. The risk that someone will get hurt at your location. The risk that your product or service will cause someone harm. The risk that your business is found negligent in a court case.

Different operations, different liability

Beyond the general liability category, State Auto has options that are more specific based on how your business runs.
You'll need to take a critical eye to each area of your business operation.
Do you handle sensitive data for your customers?
What are your employees doing, and what might go wrong?
Your best approach is to work closely with your insurance agent to examine what specific situations you might face.

Preparing for extreme cases of business liability

Most businesses today need another layer of protection against liability.
You can't read the news today without seeing a story about a business facing catastrophe - a product recall, a fatal accident caused by one of their drivers, a major lawsuit.
This is where commercial umbrella protection comes in. It gives you higher amounts of coverage in case your worst-case scenario happens.

Liability that most businesses face

- The insurance industry calls this category "general liability."
- These are the types of liability most commercial operations of any size will face. The risk that someone will get hurt at your location. The risk that your product or service will cause someone harm. The risk that your business is found negligent in a court case.

Different operations, different liability

- Beyond the general liability category, State Auto has options that are more specific based on how your business runs.
- You'll need to take a critical eye to each area of your business operation.
- Do you handle sensitive data for your customers?
- What are your employees doing, and what might go wrong?
- Your best approach is to work closely with your insurance agent to examine what specific situations you might face.

Preparing for extreme cases of business liability

- Most businesses today need another layer of protection against liability.
- You can't read the news today without seeing a story about a business facing catastrophe - a product recall, a fatal accident caused by one of their drivers, a major lawsuit.
- This is where commercial umbrella protection comes in. It gives you higher amounts of coverage in case your worst-case scenario happens.

Tips for talking with your agent

Prepare to examine everything that happens - or could happen - in your daily operation.
Your agent may need to visit your business to witness first-hand how things run.
Remember, this is your chance to protect your business from the things that keep you up at night.

Find a local Agent

Renters

You still face many of the same risks as homeowners, but your landlord’s insurance won’t provide coverage for you. We can help.

Protects the belongings where you live

Covers your liability if someone visiting you gets hurt

An experienced agent to help you decide what other options you might need

Critical questions for renters to consider:

How much would it cost to replace your belongings?
What if you had to leave your apartment because it was damaged in a fire?
Do you have special items, like jewelry, to protect?
Do you take things from work home with you, like a laptop?
Do you run a business from where you live?
If someone were hurt in your home, could you afford to pay their medical expenses?

An affordable insurance solution for renters

Renter's insurance is affordable (even more so when you also have your auto insurance with State Auto)
It's worth the peace of mind to know you have your bases covered.
Renting gives you flexibility and (usually) freedom from maintenance. Renters insurance keeps you from having to worry about the "what ifs"

Critical questions for renters to consider:

- How much would it cost to replace your belongings?
- What if you had to leave your apartment because it was damaged in a fire?
- Do you have special items, like jewelry, to protect?
- Do you take things from work home with you, like a laptop?
- Do you run a business from where you live?
- If someone were hurt in your home, could you afford to pay their medical expenses?

An affordable insurance solution for renters

- Renter's insurance is affordable (even more so when you also have your auto insurance with State Auto)
- It's worth the peace of mind to know you have your bases covered.
- Renting gives you flexibility and (usually) freedom from maintenance. Renters insurance keeps you from having to worry about the "what ifs"

Tips for talking with your agents

Create a home inventory so you have an idea of how much it would cost to replace your belongings.
Take stock of other property you use, rent or borrow that may need to be insured.
Include your auto insurance needs in your conversation with your agent, to make sure you're getting the full benefits available to you.

Find a local Agent

How much of your condo do you own?

The answer depends on your condo association agreement (also called other fancy names like "Declaration of Condominium" or "Master Deed"). Your responsibility will typically fall into one of two main categories:

"Air space" Ownership (also called "paint-in" or "what I bring in") - You own the inside of the unit, starting from the unfinished interior surfaces - walls, floors and ceilings. This generally does not include fixtures or built-in appliances. You might only be responsible for insuring your own belongings such as furniture, electronics and clothing.
"Bare walls" Ownership (also called "studs-in") - Your ownership is broader, starting from the roof trusses, floor slabs and exterior walls of the building. This generally includes interior walls, stairs, doors, closets, cupboards, built in appliances, and heating and cooling systems. You'll need broader insurance coverage for this type of condo agreement.

Business Property

Smart, successful businesses are the backbone of thriving communities. Our commercial property insurance can help make sure yours is one of them.

Replace lost contents and inventory quickly

Safeguard against a range of potential threats

Get back to your business as quickly as possible after a loss

Thousands of businesses close every year from sudden, catastrophic events

Over 80,000 non-residential building fires occur in the U.S. each year
Winter storms, tornadoes, water damage, theft, and vandalism also cause major losses
40% of businesses never reopen; another 25% close within a year

Commercial property insurance can keep your business open

Get back up and running fast, minimizing downtime and maintaining customer continuity
Get coverage for lost income while you're not operational
Protect yourself from extraordinary recovery costs even if you maintain your income

Thousands of businesses close every year from sudden, catastrophic events

- Over 80,000 non-residential building fires occur in the U.S. each year
- Winter storms, tornadoes, water damage, theft, and vandalism also cause major losses
- 40% of businesses never reopen; another 25% close within a year

Commercial property insurance can keep your business open

- Get back up and running fast, minimizing downtime and maintaining customer continuity
- Get coverage for lost income while you're not operational
- Protect yourself from extraordinary recovery costs even if you maintain your income

From basic to the best, we have you covered

Choose your level of insurance protection:

Standard - Get the basics with some key optional coverages, like ID Theft protection and Replacement Cost for Personal Property.
Protection Plus - A step up from the basics with additional and expanded key coverages. You also have the option to add our HomeXtended® Coverages Endorsement.
Premier - When you need the best. Expanded coverages with higher limits, including special items like silverware and jewelry. Our HomeXtended® Endorsement is automatically included.

Customize to fit your home and your life:

Renters insurance policies - choose from three levels of protection
Condo owners insurance - purchase specific policies for your needs
Enhanced HomeXtended Coverages Endorsement is automatically included in Protection Plus and Premier. This includes must-have coverages for your cell phone, personal records and identity fraud.
Identity Fraud Expense Coverage can also be added to Standard level policies (included in Protection Plus and Premier).
Get both your home and auto insurance together and save money with our Multi-Policy discount. And, add our State Auto Safety 360sm telematics program to your auto insurance policy, and you could earn a discount of up to 50%!
Fortified Home Discount offers additional savings for homes built to FORTIFIED standards.
See the list of additional discounts you could get on your home insurance.

Your best choices in auto insurance

Choose your level:

Standard - All the must-have basics so you feel secure when you hit the road. You can even add Roadside Assistance.
AutoXtended Plus - More options to customize. More coverage - more peace of mind.
AutoXtended Premier - When you need the best. Better coverages with even higher limits.

Choose your enhancements:

Get extras like Full Safety Glass Coverage, Roadside Assistance, Accident and Minor Violation Forgiveness benefits and much more in AutoXtened Plus and AutoXtended Premier.
Enhanced AutoXtended® Coverages Endorsement is automatically included in AutoXtended Plus and AutoXtended Premier. Must-have coverage for your cell phone, pet, keys and more.
Bundle your policies and save money with our Multi-Policy discount (for homeowners, condo owners, renters and umbrella policies).
And if you get an auto policy with the State Auto Safety 360® telematics program - You may become a safer driver and earn a premium discount of up to 50%!
See the list of additional discounts you could get on your auto insurance.

Coverages may vary by state and offering.

Business Owners' Policy

We specialize in specific industries, including:

Thousands of businesses close every year from sudden, catastrophic events.

We specialize in specific industries, including:

Thousands of businesses close every year from sudden, catastrophic events.

Tips for talking with your agent