Commercial Business Insurance

North Star Commercial Insurance for Small Businesses, Contractors, and Churches

Protecting your investment. We’re committed to small main street rural communities.

North Star Mutual Insurance Company assures businesses, contractors, and churches a broad, comprehensive coverage designed to meet the changing needs that these entities face in the modern world. Landlords who own apartments, offices, retail buildings, service providers, retailers, mini-storage and the like all find the insurance protection they need at North Star Mutual. 

Providing Insurance Coverage for:

  • Commercial Buildings

  • Business Personal Property

  • Commercial Liability

  • Umbrella Liability – provides protection for catastrophic losses

  • Workers Compensation  – www.sfmic.com

  • NEW! Employment Practices Liability Insurance (EPLI) - PDF Brochure

  • NEW! Cyber Liability - PDF Brochure

 

Specialty Programs include:


Contact your local independent North Star Mutual agent for insurance coverage to meet the specific needs of your business. 

Should you consider umbrella coverage? Click here for more information.

Need to Report a Claim? We are dedicated to providing fast and fair claim service with friendly care and a personal touch.

North Star Mutual Policies Protect Against Identity Fraud Learn more…



Businessowners Protector

Protection for Small to Medium-Sized Businesses…

North Star Mutual’s Businessowners Protector Policy is designed to fit the specialized needs of smaller to medium-sized businesses by providing a broad range of unique coverages at a competitive price.

Eligible Businesses may include, but are not limited to: 

  • Apartment Buildings (40 years or newer)
  • Retail Stores (Clothing, Hardware, Toys, etc.)
  • Art Galleries
  • Barber and Beauty Shops
  • Convenience Stores
  • Copying and Printing Stores
  • Food and Grocery Stores
  • Dental Labs
  • Embroidery or Engraving Businesses
  • Florists
  • Funeral Homes or Chapels
  • Mail and Packaging Stores
  • Motels
  • Photographer Studios
  • Restaurants & Bakeries (No Bars)
  • Self-Storage Facilities
  • Tailoring or Dressmaking

Primary Coverages include, but are not limited to:

  • Business Personal Property Off-Premises
  • Burglary, Robbery, or Theft
  • Business Income
  • Debris Removal
  • Electronic Data
  • Equipment Breakdown
  • Interruption of Computer Operations
  • Newly Acquired Business Personal Property
  • Acquired/Constructed Property
  • Outdoor Property and Signs
  • Valuable Papers and Records
  • Fire Department Service Charge
  • Comprehensive Liability
  • Employees as Insureds
  • Medical Expenses
  • Non-Owned Watercraft or Auto
  • Personal and Advertising Injury
  • Products and Completed Operations
  • Property of Others
  • Tenant’s Fire Liability

Optional Coverages include, but are not limited to:

  • Backup of Sewers & Drains
  • Broadened Perishable Goods
  • Building Under Construction
  • Business Protector Plus
  • Hired Auto
  • Barbers and Beauticians Liability
  • Directors and Officers Liability
  • Employee Dishonesty
  • Pharmacists Professional Liability
  • Employment Practices Liability

Contact your Agent for additional details on this program. Click to Find an Agent.

 

 

Church Protector

Protection for your church…

In addition to protecting your congregation against covered causes of loss that damages the church building and property, the Church Protector provides the following additional, unique protection:

Primary Coverages include, but are not limited to:

  • Arson Reward
  • Fire Department Service Charge
  • Buildings Appurtenant to the Church/Parsonage
  • Business Personal Property at New Locations
  • Church Theft
  • Equipment Breakdown
  • Glass and Stained Glass
  • Grave Markers
  • Outdoor Property and Signs
  • Pastoral Property
  • Sewer and Drain Backup
  • Valuable Papers and Records
  • Employee Dishonesty
  • Medical Payments Coverage
  • Products and Completed Operations
  • Personal and Advertising Injury
  • Fire Damage Legal Liability
  • Host Liquor Liability
  • Medical Payments for Athletic Activities
  • Medical Payments for Donated and Volunteer Labor
  • Non-Owned and Hired Auto Liability
  • Cemetery Liability
  • Damage to Property of Others

Optional Coverages include, but are not limited to:

  • Builder’s Risk Coverage
  • Corporal Punishment Liability
  • Directors and Officers Liability
  • Inland Marine Coverage for Fine Arts, Instruments, and Watercraft
  • Pastors Counseling Liability
  • Replacement Cost Coverage
  • Sexual Misconduct Liability
  • Employment Practices Liability
  • Other Misc. Coverages

Contact your Agent for additional details on this program. Click to Find an Agent.



Contractors Protector

Protection for Small Contractors…

North Star Mutual’s Contractors Protector Policy is designed to fit the specialized needs of smaller to medium-sized contractors providing a broad range of needed coverages at a competitive price.

Eligible Businesses may include, but are not limited to:

  • Heat or Air Conditioning Service
  • TV, Radio, Cable Installation
  • Carpentry
  • Carpet and Upholstery Cleaning
  • Ceiling or Wall Installation
  • Concrete Construction
  • Doors, Windows, or Millwork
  • Driveway Paving or Repairing
  • Electrical Work (No Alarms/Repair)
  • Fence Erection
  • Furniture/Fixtures/Appliance Installation
  • Gas, Oil, & LPG (No Dealers)
  • Interior Decorators
  • Janitorial Services
  • Landscaping (No Tree Trimming)
  • Lawn Care Services
  • Masonry
  • Office Machine Service
  • Painting or Paperhanging
  • Plastering or Stucco Work
  • Plumbing
  • Septic Tank Systems Service
  • Siding Installation
  • Street Cleaning Services
  • Tiling Stone, Mosaic, Terrazzo Work
  • Water Softening Service
  • Window Cleaning (Up to Two Stories)

Primary Coverages include, but are not limited to:

  • Debris Removal
  • Pollutant Clean Up and Removal
  • Increased Cost of Construction
  • Electronic Data
  • Fire Department Service Charge
  • Valuable Papers and Records
  • Outdoor Property and Signs
  • Non-Owned Detached Trailers
  • Personal Property off Premises
  • Personal Effects and Property of Others
  • New or Newly Acquired Locations
  • Bodily Injury/Property Damage
  • Medical Payments
  • Products and Completed Operations
  • Contractual Liability
  • Fire Damage Legal Liability
  • Employees as Additional Insureds
  • Explosion, Collapse, and Underground Coverages
  • Personal Injury and Advertising Liability
  • Host Liquor Liability
  • Incidental Medical Malpractice
  • Limited Worldwide Coverage

Optional Coverages include, but are not limited to:

  • Increased Fire Damage Legal Liability
  • Non-Owned or Hired Auto Liability
  • Employee Theft
  • Money and Securities
  • Deductible or Coinsurance Provision
  • Accounts Receivable
  • Inland Marine for Equipment and Tools, Building Materials, Customer Property in Care of Contractors, Installation Floater, 2-Way Radios, Cell Phones, Etc.
  • Employment Practices Liability

Contact your Agent for additional details on this program. Click to Find an Agent.



Garage Protector

Protection for your Service Business…

North Star Mutual’s Garage Protector is a comprehensive package policy that allows you to select a property coverage form to meet your needs along with broad liability insurance to protect your business from lawsuits and similar claims.

The Garage Protector Includes these Special Broader Coverages:

  • Broadened Premises
  • Debris Removal
  • Fire Department Service Charge
  • Personal Effects and Property of Others
  • Valuable Papers and Records (Non-electronic)
  • Property Off Premises
  • Outdoor Property and Signs
  • Accounts Receivable
  • Employee Tools and Equipment
  • Backup of Sewers, Drains, or Sump Systems
  • Money and Securities
  • Money Orders and Counterfeit Money

Optional Coverages include:

  • Garagekeeper’s Coverage – Comprehensive and Collision Coverages for customer’s vehicles in your care, custody, and control while they are being serviced.
  • Hired and Non-Owned Auto Liability
  • Employment Practices Liability

Contact your Agent for additional details on this program. Click to Find an Agent.