Coastal Flix

Risk Engineering is now offering streaming capabilities for safety related videos for our current policy holders.

We have partnered with Coastal Flix in order to provide our customers with a quick and easy way to stream safety videos straight to any computer or mobile device. Coastal Flix has a library of over 1,000 videos with learning topics such as Safety, Human Resources, Maintenance & Reliability, Healthcare and Public Sector. Policy holders have the ability to request up to 3 video titles at a time and up to 5 videos throughout the entire policy period.

For a full list of the video library please visit www.coastalflix.com and click “learning topics” on the home screen.

To receive information on ordering a video from your State Auto Risk Engineering team please contact Barry Davis with the insureds policy number, company name and video titles of interest.

Personal Umbrella

What if you were sued for a million dollars? It seems everyone's at risk of facing a lawsuit these days. We'll help make sure you’re prepared financially.

Extra liability protection over your home and auto insurance

Option to be covered anywhere in the world (think: international vacation)

Basic policies start at $1 million in coverage

Higher coverage amounts for liability

You have liability coverage with your home and auto insurance, but you may need more if you're sued. Imagine a child is seriously hurt trying to retrieve a ball over a fence in your yard. In one case, this type of verdict reached $1.2 million. You would need far more than your home and auto insurance just to pay the verdict.

Liability protection beyond your home and auto

A personal umbrella policy also may cover more than your home and auto policies include.
And it can extend coverage worldwide.

Higher coverage amounts for liability

- You have liability coverage with your home and auto insurance, but you may need more if you're sued. Imagine a child is seriously hurt trying to retrieve a ball over a fence in your yard. In one case, this type of verdict reached $1.2 million. You would need far more than your home and auto insurance just to pay the verdict.

Liability protection beyond your home and auto

- A personal umbrella policy also may cover more than your home and auto policies include.
- And it can extend coverage worldwide.

Home

Your home is your spot in the world. It’s too important to protect with a cookie-cutter insurance policy.

Plenty of features with the HomeXtended coverage

An agent from your community to help you get the right insurance

Talk to your State Auto independent agent about all of your insurance needs

The home insurance options you need

A local, independent insurance expert will help you choose from the different State Auto packages to protect your home. You'll work together to tailor a policy for your family's needs. Our policies also come with the option to add extra coverages, such as protecting things you use at home for your business, golf carts when you're golfing, cell phone coverage and more.

Own a condo? What to consider

If your home is a condo, you have special circumstances to think about. Your agent can help navigate your condo association agreement, your risk of a loss assessment and other situations you'll find yourself in. More

Choose to rent your home?

Renting your home is a popular option today. It can offer greater flexibility and freedom from many of the worries of home ownership.
Yet you still face many of the same risks and need the right insurance protection. More

Home and auto are better together

Don't miss the benefits of having both your home and auto insurance with State Auto.
Keep it simple and talk to your agent about all of your insurance needs (own a boat?) at once.

The home insurance options you need

- A local, independent insurance expert will help you choose from the different State Auto packages to protect your home. You'll work together to tailor a policy for your family's needs. Our policies also come with the option to add extra coverages, such as protecting things you use at home for your business, golf carts when you're golfing, cell phone coverage and more.

Own a condo? What to consider

- If your home is a condo, you have special circumstances to think about. Your agent can help navigate your condo association agreement, your risk of a loss assessment and other situations you'll find yourself in. More

Choose to rent your home?

- Renting your home is a popular option today. It can offer greater flexibility and freedom from many of the worries of home ownership.
- Yet you still face many of the same risks and need the right insurance protection. More

Home and auto are better together

- Don't miss the benefits of having both your home and auto insurance with State Auto.
- Keep it simple and talk to your agent about all of your insurance needs (own a boat?) at once.

Services Industry

You’re a true professional, providing the best service possible in your field of expertise. No one in the insurance industry understands this like an independent insurance agent.

Insurance products designed for the services industry

Understanding of the specific risk involved in an accomplished service business

Support from a local agent who knows you and your community

Types of professional service businesses we insure:

Advertising Agencies
Architects
Attorneys
Consultants
Insurance Agents

Types of personal service businesses we insure:

Dry Cleaning
Funeral Homes
Interior Design
Janitorial Services
Landscaping Services
Salons / Barber Shops
Shoe Repair

Coverage for services businesses:

Professional liability for:
- Barbers and Beauticians
- Florists
- Funeral Directors
- Professional Pet Groomers
- Optometrists
- Veterinarians
Errors and Omissions Liability for:
- Pre-Funded Funeral Services
- Printers
Lost Key Coverage
Data Compromise
Equipment Breakdown
Employment Practices Liability
Inland Marine Coverages
And more

Types of professional service businesses we insure:

- Advertising Agencies
- Architects
- Attorneys
- Consultants
- Insurance Agents

Types of personal service businesses we insure:

- Dry Cleaning
- Funeral Homes
- Interior Design
- Janitorial Services
- Landscaping Services
- Salons / Barber Shops
- Shoe Repair

Coverage for services businesses:

- Professional liability for:
  - Barbers and Beauticians
  - Florists
  - Funeral Directors
  - Professional Pet Groomers
  - Optometrists
  - Veterinarians
- Errors and Omissions Liability for:
  - Pre-Funded Funeral Services
  - Printers
- Lost Key Coverage
- Data Compromise
- Equipment Breakdown
- Employment Practices Liability
- Inland Marine Coverages
- And more

Tips for talking with your agent

Provide documentation of all of the various employee and contractor relationships you have.
Bring in a list of your equipment, including any equipment you may or may not rent or lease.
Describe a typical client scenario.
Have a copy of your most current payroll audit available. In addition to providing accurate payroll information, this can hep your agent determine the best class code(s) for your policy, which may help you avoid large swing in your audit bills or credits.

Find a local Agent

Risk Engineering Services

We’ll help you keep your people safe and your business up and running.

Expertise in managing risk provided at no extra cost

Training resources and programs available to you

Consultants available to help with safety and loss prevention

Online safety training and materials

Your team is busy, so training has to be both effective and easy.
Our online safety training is available to you 24/7 and tracks your progress.
We also have resources available for use outside of training, such as our information on managing slip, trip and fall hazards.
If your team needs Commercial Hazard-Assessment Training (CHAT), we offer online CHAT resources to help you build a program that manages employee, fleet and property safety.

Templates to create your own safety programs

Safety and loss prevention programs are critical.
They can also be challenging to create and manage properly with limited resources.
State Auto's risk management experts have created business safety program templates you can modify or use as-is.

When additional consulting is needed

Larger or more complex businesses often need more help with managing risk. State Auto's risk control consultants can provide:
- On-site assessments of your hazards and exposures
- Consulting on site with your management team
- Reviews of your existing safety programs
- Training on topics like accident investigation, back injury prevention, hazard communication and small fleet safety.

Online safety training and materials

- Your team is busy, so training has to be both effective and easy.
- Our online safety training is available to you 24/7 and tracks your progress.
- We also have resources available for use outside of training, such as our information on managing slip, trip and fall hazards.
- If your team needs Commercial Hazard-Assessment Training (CHAT), we offer online CHAT resources to help you build a program that manages employee, fleet and property safety.

Templates to create your own safety programs

- Safety and loss prevention programs are critical.
- They can also be challenging to create and manage properly with limited resources.
- State Auto's risk management experts have created business safety program templates you can modify or use as-is.

When additional consulting is needed

- Larger or more complex businesses often need more help with managing risk. State Auto's risk control consultants can provide:
- - On-site assessments of your hazards and exposures
  - Consulting on site with your management team
  - Reviews of your existing safety programs
  - Training on topics like accident investigation, back injury prevention, hazard communication and small fleet safety.

Commercial Hazard-Assessment Training (CHAT)

If your people need safety training, we have the curriculum ready for you.

Quick sheets with talking points and activities

Employee safety, fleet management and property hazards

Show and tell activities and questions to encourage learning

General topics

Elements of Successful Contractor Safety Program
Supervisors Role In Safety
Safety - Attitude
Safety Orientation
Pre-Job Review

Employee safety

Hand Safety
Hearing Protection
Eye Safety
Eye Protection
Work Apparel
Hardhats
Material Lifting & Handling
Proper Tool Usage
Preventing Falls from the Same Level
Welding and Cutting
Respiratory Protection
Respiratory Protection Part II
Machinery & Equipment Maintenance
Entry into a Confined Area
Back Safety, Sprains & Strains
First Aid Kits
First Aid & CPR Training
Office Ergonomics (Part I)
Office Ergonomics (Part II)
Off & On the Job Slips & Falls
Electrostatic Coatings

Fleet safety

Defensive Driving
Road Rage
Off Road Vehicles / Equipment
Driving & Cell Phones
Winter Weather

Property hazards

Fire Safety
Fire Extinguishers
Housekeeping

General topics

- Elements of Successful Contractor Safety Program
- Supervisors Role In Safety
- Safety - Attitude
- Safety Orientation
- Pre-Job Review

Employee safety

- Hand Safety
- Hearing Protection
- Eye Safety
- Eye Protection
- Work Apparel
- Hardhats
- Material Lifting & Handling
- Proper Tool Usage
- Preventing Falls from the Same Level
- Welding and Cutting
- Respiratory Protection
- Respiratory Protection Part II
- Machinery & Equipment Maintenance
- Entry into a Confined Area
- Back Safety, Sprains & Strains
- First Aid Kits
- First Aid & CPR Training
- Office Ergonomics (Part I)
- Office Ergonomics (Part II)
- Off & On the Job Slips & Falls
- Electrostatic Coatings

Fleet safety

- Defensive Driving
- Road Rage
- Off Road Vehicles / Equipment
- Driving & Cell Phones
- Winter Weather

Property hazards

- Fire Safety
- Fire Extinguishers
- Housekeeping

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.

Insurance products designed for experienced owners of office and apartment properties for rent.

Understanding of the specific risk involved in a sophisticated real estate operation.

Support from a local agent who knows you and your community.

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

Coastal Flix

Personal Umbrella

Higher coverage amounts for liability

Liability protection beyond your home and auto

Higher coverage amounts for liability

Liability protection beyond your home and auto

Tips for talking with your agent

Umbrella Resources

Are you prepared if a hurricane hits your area? Here's a handy checklist to help get your ready for severe weather.

Do you consider your boat a second home in warm weather?

Featured Resources

Are you prepared if a hurricane hits your area? Here's a handy checklist to help get your ready for severe weather.

Do you consider your boat a second home in warm weather?

Related Products

Come home to the peace of mind the right insurance can bring.

CustomFit® coverage, fast claim service and competitive pricing

Home

The home insurance options you need

Own a condo? What to consider

Choose to rent your home?

Home and auto are better together

The home insurance options you need

Own a condo? What to consider

Choose to rent your home?

Home and auto are better together

Tips for talking with your agent

Homeowners Resources

You’re focused on what your family will do while you’re on vacation. But how should you prepare your home to be, well, home alone?

Follow these initial steps for filing your homeowners insurance claim.

If your new job means some changes in your routine, it might require some changes to your home and auto insurance.

Getting married takes two people in love and a lot of planning. Add your insurance policies to the list of updates to make.

From snow on roofs to frozen pipes, make sure your home or business is ready for winter.

Many own a ladder, but it seems many aren't following ladder safety protocols.

You are a target for identity theft. And once your identity has been stolen, it’s hard to get it back in order.

Your student may be ready – and you may be getting ready, emotionally – but is your insurance coverage ready for your student to leave for college?

Are you prepared if a hurricane hits your area? Here's a handy checklist to help get your ready for severe weather.

Do you consider your boat a second home in warm weather?

Spotting potential problems and using proper pruning techniques before a storm will help keep your trees healthy, beautiful, and safe.

These tips can keep your party from turning into a disaster or a lawsuit.

Featured Resources

You’re focused on what your family will do while you’re on vacation. But how should you prepare your home to be, well, home alone?

Follow these initial steps for filing your homeowners insurance claim.

If your new job means some changes in your routine, it might require some changes to your home and auto insurance.

Getting married takes two people in love and a lot of planning. Add your insurance policies to the list of updates to make.

From snow on roofs to frozen pipes, make sure your home or business is ready for winter.

Many own a ladder, but it seems many aren't following ladder safety protocols.

You are a target for identity theft. And once your identity has been stolen, it’s hard to get it back in order.

Your student may be ready – and you may be getting ready, emotionally – but is your insurance coverage ready for your student to leave for college?

Are you prepared if a hurricane hits your area? Here's a handy checklist to help get your ready for severe weather.

Do you consider your boat a second home in warm weather?

Spotting potential problems and using proper pruning techniques before a storm will help keep your trees healthy, beautiful, and safe.

These tips can keep your party from turning into a disaster or a lawsuit.

Related Products

The more valuable it is to you, the more we can help.

Personal property and liability coverage, similar to homeowners

Services Industry

Types of professional service businesses we insure:

Types of personal service businesses we insure:

Coverage for services businesses:

Types of professional service businesses we insure:

Types of personal service businesses we insure:

Coverage for services businesses:

Tips for talking with your agent

Services industry

For exit signs to do their job, employees and management need to be aware of not only their placement, but how to properly maintain them as well.

A smooth operation at your auto body service shop starts with meeting the current codes and standards from the National Fire Protection Association® (NFPA®)

Unforeseen issues may happen while you're servicing customers' cars. Make sure you're covered.

We’re here to help your business manage fleet safety, whether you’re managing hundreds of drivers – or two.

Featured Resources

For exit signs to do their job, employees and management need to be aware of not only their placement, but how to properly maintain them as well.

A smooth operation at your auto body service shop starts with meeting the current codes and standards from the National Fire Protection Association® (NFPA®)

Unforeseen issues may happen while you're servicing customers' cars. Make sure you're covered.

We’re here to help your business manage fleet safety, whether you’re managing hundreds of drivers – or two.

Learn more about our other insurance

We’ll focus on providing a sophisticated risk management program for your business.

Distributors keep products moving, literally. In the Distribution and Wholesale industry, you have to be quick on your feet to keep products, people and your business in motion.

Risk Engineering Services

Online safety training and materials

Templates to create your own safety programs

When additional consulting is needed