Business Insurance
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Indiana Farm Bureau Insurance offers business owners the peace of mind that comes from an affordable and customized Businessowners Policy. To learn more about this policy, take a look at the frequently asked questions and answers below.For more information, contact your local agent to discover what’s right for you.



7 out of 10 businesses*
 chose Indiana Farm Bureau Insurance. Not only are we located in your community, but our Businessowners Policy includes coverages such as:

Barber Shop & Salon icon

Barber Shop & Salon

  • Commercial Property
  • General Liability with optional Professional Liability**
  • Equipment Breakdown
  • Data Breach and Cyber Extortion
Lawn Mower icon



  • General Liability
  • Commercial Property (including tools and equipment)
  • Data Breach and Cyber Extortion
  • Snow Plow Operations


Tools IconContractor

  • General Liability
  • Commercial Property (including tools and equipment)
  • Installation Coverage
  • Data Breach and Cyber Extortion
  • Contractors Errors and Omissions***



The Businessowners Policy offers comprehensive property and liability coverage along with coverages specifically designed for your special business needs. In addition to protecting your company’s buildings and business personal property, the policy also covers the actual loss of income your business would sustain if you needed to to temporarily close due to damage.


What are the coverages automatically provided in the policy?

  • Buildings and business personal property scheduled on the policy
  • Liability and Medical Expenses
  • Business income actual loss sustained (within the terms of the policy)
  • Equipment breakdown
  • Reward payments
  • Necessary inventory expenses in the event of a claim
  • Lock and replacement key
  • Necessary security guard charges in the event of damage to your building
  • Others' property in your care, custody or control
  • Liability of newly acquired organizations
  • Data Breach – first and third party
  • Cyber Extortion
  • Exterior building glass

What other coverages are recommended or can be added?

  • Employment practices liability
  • Employee benefits liability
  • Blanket additional insured
  • Increased cost of loss and related expenses for green upgrades
  • Identity restoration
  • Hired and non-owned auto liability
  • Accounts receivable
  • Employee dishonesty
  • Valuable papers

Are there any specialized coverages specifically for contractors?

Optional enhancements can be added. These specialized coverages for contractors are available:

  • Non-owned tools and equipment coverage
  • Employee tools
  • Higher limits on installation and tools and equipment available
  • Designated construction project(s) general aggregate limit
  • Per project general aggregate limit (all projects)
  • Pesticide or herbicide application
  • Snow plow products – completed operation hazards coverage
  • Contractors Errors and Omissions**
  • Jobsite Pollution Liability **

Is worker’s compensation included in the policy?

Worker’s compensation coverage is not part of our Businessowners Policy, but can be written separately. Most businesses are required to purchase worker’s compensation insurance. Worker’s compensation provides medical expenses and indemnity payments in the event of a work-related injury. A local Indiana Farm Bureau Insurance agent can provide the appropriate coverage to protect your business and your employees.

Do you offer an umbrella policy for my business?

A Commercial Umbrella Policy can be added to protect your business from a large liability loss. An Indiana Farm Bureau Insurance agent can show you how an umbrella policy can extend the limits of your current Businessowners Policy. This can protect you from the high cost of jury awards, out-of-court settlements and legal fees.

Can I obtain coverage for my work vehicle?

Coverage for your business vehicle is not included in our Businessowners Policy; however we do offer a commercial auto policy that can be tailored to your business' needs.

*Based on the average of 2017 internal business quotes produced which resulted in policies written. **Professional Liability available for most treatments and services. ***Available for most contracting operations. Subject to eligibility guidelines.

Disclaimer: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement the insurance policy. Consult the actual policy for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by Indiana Farm Bureau Insurance.

Need to make a payment or check on a claim?  With the Indiana Farm Bureau Insurance Online Account Manager, you can get the information you need - when you want it.  Have more questions? Contact Customer Service by phone or email.

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