Simplifying small business insurance for you—and your customers

Our ProSeries line of insurance for small businesses provides agents with a range of coverages for a variety of small businesses.

Whether your customer has an established corner flower shop or is a fast-growing land-moving contractor, you’ll appreciate the customizable options that come with a product designed just for their needs.

ProSeries small business insurance products 

ArtisanPro® insurance for contractors 
Designed for artisan contractors, including plumbers, electricians, heating and air conditioning contractors and other skilled specialists.

GaragePro® insurance for garage operations
Designed for garage-oriented operations, including auto repair, body shops, transmission repair and muffler services.

ArtisanPro® insurance for small businesses
Designed for small businesses, including retail, offices and more.

ArtisanPro delivers broad property and liability insurance protection for contractors through ISO’s comprehensive business owners program coverage form. We also offer a variety of optional coverages and endorsements, allowing you to tailor the coverage to your customers’ individual business needs.

Target classes 
  • Appliance installation or repair
  • Carpentry
  • Driveway/parking/sidewalk construction 
  • Electricians
  • Fencing contractors
  • Floor covering installation
  • HVAC contractors
  • Janitorial
  • Landscapers
  • Lawn care services
  • Lawn sprinkler installation
  • Masonry
  • Office machines installation or repair
  • Painting contractors
  • Plumbing contractors
  • Residential cleaning services
  • Tile contractors 
Optional coverages 
  • Contractors installation, tools and equipment—coverage for all your equipment, whether it is owned, rented or borrowed, including materials, supplies, equipment, machinery and fixtures that are in transit or to be installed at a jobsite
  • Contractors errors and omissions*—coverage for losses claiming that you made errors or acted negligently in the performance of your duties
  • Increased liability limits*—up to $2M per occurrence and $4M aggregate
Optional endorsements 
  • ArtisanPro liability endorsement (varying levels of protection)—offers basic coverages, such as voluntary property damage and care, custody and control, as well as more specialized coverages, such as aggregate limits of insurance per project and per location and broadened named insured status
  • Business owners property endorsement (varying levels of protection)—offers basic coverages, such as valuable papers and records and forgery or alteration, as well as more
*Target classes and guidelines will vary by state. 

With GaragePro from UFG, owners of garage operations have comprehensive insurance protection for their industry, giving them the coverage and services needed to keep their repair shops up and running in the event of a loss.

Target classes 
  • Auto body repair shops
  • Auto detailing shops
  • Auto repair shops
  • Muffler shops
  • Radiator repair shops
  • Tire sales and installation (retail)
  • Transmission repair shops
  • Window tinting shops
Included coverages 

GaragePro offers special coverages to meet the unique needs of garages and other auto service shops, including increased limits for on-premises employee tool coverage, sublimits for off-premises employee tool coverage, the ability to schedule an incidental location (parking lot) at a separate address from the primary business location and do so with no additional cost, as well as:

  • Newly acquired or constructed property
  • Automatic valuation adjustment on buildings
  • Business income and extra expense— actual loss sustained—up to 12 months
  • Extended business income—60 days
  • 24-hour waiting period of restoration
  • Employee tools
  • GaragePro property extension endorsement
  • Products and completed operations 
  • Personal and advertising Injury
  • Garage liability each accident
  • Garage keepers is direct primary
  • Money and securities
  • Forgery and alteration
  • Counterfeit coverage
  • Employee dishonesty
*Target classes and guidelines will vary by state. 

PremierPro is designed specifically for business owners, combining broad property, liability and crime protection with a variety of optional coverages to meet their specific needs. It also provides several coverage enhancements, including data processing; employee dishonesty; equipment breakdown; false pretense; fine arts; money and securities; off premises utility services; ordinance or law; and water backup/sump overflow.

Target classes 
  • Accounting offices
  • Auto parts
  • Bakeries
  • Barber shops
  • Condo offices
  • Distributors: electrical, lighting, plumbing
  • Fine dining restaurants 
  • Florists
  • Food service establishments: pizzerias, delicatessens, bagel shops, coffee shops, family-style restaurants
  • Funeral homes or chapels
  • Gift shops
  • Hair styling salons
  • Medical offices
  • Print shops
  • Professional offices: physicians, dentists, lawyers, accountants
Included Coverages

  • Special causes of loss
  • Automatic valuation adjustment on buildings 
  • Inflation guard on contents
  • Business income and extra expense
  • Newly acquired or constructed property
  • Equipment breakdown
  • Bodily injury and property damage
  • Premises and operations
  • Products and completed operations 
  • Personal and advertising injury
  • Fire damage
  • Medical expense 
  • Money and securities 
  • Forgery or alteration
  • Money orders and counterfeit money 
  • False pretense
  • Employee dishonesty

Optional Coverage
To better meet your needs of your customers, you can customize a policy with a variety of optional coverages. For example, our Residential Extension Endorsement provides personal property and liability protection for a business owner who uses the business as a primary residence. 

*Target classes and coverages will vary by state. 

Our ProSeries products benefit both you and your customers: 

  • Competitive pricing.
  • Broad coverages.
  • Streamlined quoting process.
  • Optional endorsements and coverages that can be tailored a customer’s unique needs.
  • Loss prevention resources to help prevent on-the-job injuries.
  • 24/7 service for policyholders.
  • Prompt and efficient claims service, with representatives strategically located throughout the country.

As an agent, you’ll be able to easily process quotes and submit applications for our ProSeries products using our simplified web-quoting platform—for quick pricing, binding and issuing. In addition to using our premium indication tool to instantly obtain a preliminary estimate of the premium cost for your customers, you can also take advantage of underwriter messaging, underwriter decision-making at the quote level and no application requirement unless issuing the policy.

When small business becomes big business, we’ll be here

As your customers grow their small business, we have the options for your business to grow right along with them. Our complete line of business insurance includes products for large businesses of all specialties and sizes.

Interested in learning more about writing business with UFG? 

You know just how complex the insurance industry can be, that’s why we work to offer our agents the solutions that can simplify your work life. With a national footprint, yet the personality of a hands-on regional carrier, we know how to work within individual states, and our regional autonomy allows us to make decisions that make sense for you- and your customers. It's that simple.