Protecting the Business You've Built
Small Business
Central helps protect small businesses with tailored insurance solutions, responsive claims service, and loss control support, keeping entrepreneurs focused on growing their business.
To support mutual success, we've outlined where we see the greatest opportunity to write new small business accounts with you. Attractive markets represent classes where we see strong potential for profitable growth, while in-appetite classes align with our underwriting expertise and remain open for new business.
APPETITE
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Writing the Right Business Together
We focus on small businesses with strong operations, a commitment to safety, and well-maintained properties. Our strongest opportunities include professional services, retail operations, restaurants, personal services, and qualifying construction and manufacturing businesses.
retail & services
Attractive Markets
Appliance, Machinery, & Equipment Stores
Barber Shops & Beauty Salons
Clothing & Apparel Stores
Florists, Garden Nurseries, & Gifts
market 3
another very attractive market to do business in
In-Appetite Classes
Accounting
Consulting
Fine Dining
Funeral Homes
HVAC Service
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
Barbershops & Hair Salons
Clothing & Apparel Stores
Florists, Garden Nurseries, & Gifts
Food Truck Vendors
Mailbox & Packaging Stores
Nail Salons
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 or more years in business
Favorable loss history
Well-maintained premises
Appropriate fire protection
Focus on loss prevention and mitigation
CRITERIA
Fewer than three locations
Total Insured Value (TIV) under $7.5 million at any location
Sales under $5 million at any location
Payroll under $1 million
Subcontractor costs under $100,000
Fewer than five BAP power units
Accounts must meet all criteria to qualify as a small business.
KEY BENEFITS
Why Small Businesses Choose to Partner with Central
COVERAGE BUILT FOR GROWING BUSINESSES
Small businesses face a wide range of risks, from property damage and liability claims to cyber threats and employee injuries. Central offers flexible coverage solutions, loss control resources, and dedicated claims support, giving business owners peace of mind knowing they're protected when it matters most.
Key Benefits
– Simplified coverage options
– Flexible protection as businesses grow
– Dedicated claims professionals
– Loss control support
– Long-term agency partnerships
SMALL BUSINESS
Coverage Solutions
Core Coverages
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PROPERTY AND LIABILITY
Core protection for business assets and operations. The BOP provides standardized, bundled coverage, while CLP offers greater flexibility and customization for more complex needs.
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Business owner's liability plus
Provides 13 general liability enhancements to the standard BOP package.
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Business owner's property plus
Enhances the standard BOP with additional coverages and, in some cases, higher limits.
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Cyber Suite
Comprehensive coverage for cyber attacks, data breaches, cyber extortion, and identity recovery.
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employment practices liability
Covers legal costs and damages if an employee claims discrimination, wrongful firing, or harassment.
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Workers' compensation
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 injuries and ensure employees receive support when accidents happen.
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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.
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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.
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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.
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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.
LOSS CONTROL RESOURCES
Small businesses often have limited internal loss control resources. Central's loss control team helps policyholders identify exposures and implement practical strategies that support safer operations and reduce losses.
Examples of Our Available Resources:
– Loss control consultations
– Workplace safety guidance
– Return-to-work program support
– Claims prevention resources
– Employee safety best practices
– Risk management recommendations
"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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The Central Difference
Central Insurance is built to support our agent partners. We work alongside you to identify opportunities, evaluate risks, and provide responsive service throughout the policy lifecycle—from quote to claim. We provide this through:
– Dedicated underwriting support
– Regional decision making
– Loss control expertise
– Claims partnership
– Industry specialization
Find the right coverage for your clients.
From beauty salons to machine shops, fine dining to finishing work, we’ve got it covered.
