Small business

Simple insurance solutions for small business professionals

When small businesses turn to insurance agents, insurance agents turn to UFG.

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Protecting the dreams of small business owners is no small task. UFG is here to help with small business insurance coverages that take the complexity out of finding trustworthy options.

With businessowners policy (BOP) coverages designed for the unique needs of a variety of small businesses — and dedicated experts to lean on for support — we team with insurance agents and policyholders to help businesses financially prepare to overcome the unexpected.

Underwriting appetite

UFG insures a wide range of small businesses, including these and more:

  • Appliance stores.
  • Auto parts.
  • Bakeries (without cooking).
  • Bicycle shops.
  • Book stores.
  • Candy stores.
  • Ceramics and pottery stores.
  • Clothing, apparel and shoe stores.
  • Electronics store.
  • Floor covering stores.
  • Florists.
  • Gift shops and variety stores.
  • Hardware stores.
  • Hobby and crafts.
  • Home furnishings.
  • Internet retailers.
  • Opticians.
  • Pet supplies.
  • Sporting good stores.
  • Appliances.
  • Auto parts.
  • Flowers.
  • Hardware and tools.
  • Floor coverings.
  • Baked goods.
  • Plumbing supplies/fixtures.
  • Janitorial supplies.
  • Office machines/appliances.
  • Clothing and apparel.
  • HVAC equipment.
  • Beauty supplies.
  • Hobby, crafts and artist supplies.
  • Bakeries. 
  • Photographers.
  • Barber shops.
  • Tailors.
  • Engraving.
  • Copy/print stores.
  • Beauty salons.
  • Funeral homes.
  • Mailbox/packaging.
  • Accountants.
  • Advertising agents.
  • Attorneys.
  • Insurance agents.
  • Interior decorators.
  • Lessors risk only.
  • Real estate agents.
  • Title agents.
  • Veteranarians.
  • Appliances.
  • Driveway and sidewalk repair. 
  • Electricians.
  • Fence construction.
  • Floor covering.
  • Glass dealers/installers.
  • HVAC.
  • Interior carpentry.
  • Interior painters.
  • Interior tile, stone and terrazzo.
  • Lawn care/sprinklers.
  • Plumbers.
  • Coffee shops.
  • Ice cream and yogurt stores.
  • Delis and sub shops.
  • Donut and bagel shops.
  • Cafes and bistros.
  • Take-out only.
  • Diners.
  • Pizza shops.
  • Salad bars.
  • Family-style restaurants.
  • Fine-dining restaurants.
industries-smallbusiness-icons-realestateReal estate
  • Office buildings LRO single/multi-tenant.
  • Retail/service LRO single tenant.
  • Strip mall LRO.
Agents, UFG’s small business appetite guide is a click away.

Claims service small businesses can count on

To us, every claim is an opportunity to prove to our policyholders that they made the right decision by choosing UFG. With 24-hour claim reporting and convenient claims payment options, contractors can count on our prompt and responsive claims service to help get them back to business after an unexpected loss. 

Find more small business-related resources from UFG

Risk control

Safety resources for preventing on-the-job injuries.  

Simple solutions

Informative and timely blog posts for business owners.