Protecting the Business You've Built
Small Business
We designed our small business coverages to help entrepreneurs manage risks and quickly recover when facing the unexpected. With tailored options and exceptional service, we provide the protection and support your clients need to stay focused on their business's success.
APPETITE
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Writing the Right Business Together
Click below to learn more about Central’s small business appetite and the types of business we want to write with you.
General
Attractive Markets
Appliance, Machinery, & Equipment Stores
Clothing & Apparel Stores
Florists, Garden Nurseries, & Gifts
market 3
another very attractive market to do business in
In-Appetite Classes
Accounting
Barber Shops & Beauty Salons
Consulting
Fine Dining
Construction
Attractive Markets
Electrical Work
Fence Erection
Finishing Work
Floor Covering Installation
Painting - Interior
In-Appetite Classes
HVAC
Plastering Work - Interior
Plumbing
Manufacturing
Attractive Markets
Appliance & Equipment Distributors
Clothing, Fabric, & Hobby Distributors
Electrical Parts & Accessories Manufacturing
Machine Shops
In-Appetite Classes
HVAC Distributors
Janitorial Supplies Distributors
Warehouses
General
Attractive Markets
Appliance, Machinery, & Equipment Stores
Clothing & Apparel Stores
Florists, Garden Nurseries, & Gifts
Food Truck Vendors
Mailbox & Packaging Stores
Pet Services
Printing
Professional Offices
Tailoring & Shoe Repair
In-Appetite Classes
Accounting
Construction
Attractive Markets
Electrical Work
Fence Erection
Finishing Work
Floor Covering Installation
Painting - Interior
In-Appetite Classes
HVAC
Plastering Work – Interior
Plumbing
Manufacturing
Attractive Markets
Appliance & Equipment Distributors
Clothing, Fabric, & Hobby Distributors
Electrical Parts & Accessories Manufacturing
Machine Shops
In-Appetite Classes
HVAC Distributors
Janitorial Supplies Distributors
Warehouses
THE RIGHT FIT FOR CENTRAL
Meet our ideal small business policyholder.
OUR IDEAL ACCOUNT CHARACTERISTICS
Three years in business
Favorable loss history
Well-maintained premises
Appropriate fire protection
Focus on loss prevention and mitigation
Small Business
Coverage Highlights
Central offers a broad range of commercial coverages specifically designed for small businesses, including:
BUSINESS OWNER'S POLICY
The BOP packages a broad range of property and liability protection with the small business owners’ unique needs in mind. In addition to the BOP’s core property and liability coverages, optional coverages provide an added layer of protection.
COMMERCIAL LINES PACKAGE POLICY
CLP combines property and liability coverages into a single, streamlined policy designed to protect small businesses from a wide range of risks.
CYBER SUITE
Comprehensive coverage against the complex cyber risks businesses face, including data breaches, cyber attacks, cyber extortion, and identity recovery.
EMPLOYMENT PRACTICES LIABILITY
Helps protect small business employers from claims brought by employees alleging discrimination, wrongful termination, or harassment. EPL pays for liability damages and defense costs due to covered claims brought by full-time, part-time, temporary, and seasonal employees.
UMBRELLA
Additional liability coverage ranging from $1,000,000 to $10,000,000. By maintaining specific limits of liability coverage with underlying commercial policies, businesses can enhance their overall protection at an affordable price, ensuring comprehensive coverage for unforeseen liabilities.
WORKERS' COMP
A crucial safeguard for employees injured on the job. Central’s comprehensive coverage includes a 24/7 nurse hotline, as well as return-to-work and loss control services to help prevent accidents and ensure employees receive support if they're injured on the job.
ADDITIONAL COVERAGES
• Business Interruption: Provides compensation for lost income and essential expenses due to business interruptions caused by covered events.
• Peak Season: Increases coverage limits during high-demand periods, ensuring adequate protection without higher year-round coverage requirements.
"Central offers specialized coverage tailored to the unique risks and challenges small business owners face. We deliver personalized service, comprehensive coverage options, expert risk management, and financial stability, enabling you to focus on what matters most: growing your business with the confidence your property and assets are well protected."
James Barto
Vice President – Commercial Lines
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Why Central
We understand the unique risks and challenges that come with running a small business. Our internal expertise, loss control resources, and small business coverages help protect the business you’ve built so you can focus on where you want to go and grow.
Ready to get started?
The right coverage is just a few clicks away.
