Small Business Insurance

Small business

Insurance for small businesses

Our ProSeries insurance protection offers professionally designed products for professionally led small businesses—from electricians to plumbers, auto repair to body shops and corner stores to office complexes.

ProSeries from UFG is our exclusive line of small business insurance products, commonly known as business owners policy (BOP) in the insurance industry. With our ProSeries products, small business owners have access to broad property and liability insurance, bundled with specialized coverages and endorsements to meet the unique needs of their small business.


  • ArtisanPro® insurance for contractors.
  • GaragePro® insurance for garage operations.
  • PremierPro® insurance for businesses.

All pros, no cons: ProSeries insurance for small business

  • Broad coverage and competitive pricing.
  • Optional coverages and endorsements to meet unique needs.
  • Availability of supporting coverages, such as commercial auto and workers compensation.
  • Loss prevention resources to help prevent on-the-job injuries.
  • Prompt and efficient claims service, with representatives strategically located throughout the country.

From simple to complex

At UFG, we pride ourselves on having a solid understanding of our customers’ business risks and insurance needs, using our more than 70 years of knowledge and experience to create ProSeries insurance for small businesses. Whether a business has 10 employees or 100, a single location or multiple and is celebrating its fifth year or its 50th, our ProSeries products are designed to meet both the simple and complex insurance needs of small businesses across the country.

And should your small business grow and expand, we'll be ready right along with you. Our complete line of business insurance includes coverages for large businesses of all sizes and specialties.

Get started: insurance for small business owners

We understand buying insurance for a small business can be confusing, so we’re here to help. With a network of nearly 1,200 independent agents across the country, we can help you understand everything from business property insurance and commercial auto insurance, to business income insurance and workers compensation insurance. 

Ready to get started? From retail insurance for an established business to restaurant insurance for a growing business, we're ready to help. Find an agent today to get a quote for small business insurance that’s customized to your needs. 

Insurance for contractors
Designed specifically for artisan contractors, including plumbers, electricians, heating and air-conditioning contractors and other skilled specialists. 

Contractors never know what the day or the job will bring. Minor problems can lead to major repairs and simple fixes can turn into complex projects. To be prepared, contractors need to have the right tools on hand and the right coverage in place.

ArtisanPro® artisan contractor insurance from UFG combines broad property and liability insurance for contractors—including valuable business income protection for up to 12 months. With a variety of optional coverages and endorsements, such as contractors installation, tools and equipment, contractors errors and omissions and increased liability limit, we can tailor a contractors insurance policy to fit your specific needs.

We also offer the ArtisanPro Liability Endorsement, offering up to five levels of liability protection, and the Businessowners Property Endorsement, offering three levels of property protection.

Choose ArtisanPro insurance protection for your business and entrust it with the small business professionals at UFG. Use our Find an Agent feature to locate a UFG agent in your community and get a quick quote today.

Insurance for garage operations
Designed specifically for garage-oriented operations, including auto repair, body shops, transmission repair and muffler services.

Owners of garage operations are pros at keeping their customers’ vehicles up and running, but it’s important to make sure they have professional insurance protection in place to keep their shops up and running in the event of a loss.

With our GaragePro® insurance program, businesses have access to broad property, liability and crime insurance protection, as well as the option to enhance and customize their coverage with two popular coverage endorsements: Garage Ultra endorsement and Unlimited Garage Keepers coverage.  

UFG is also the endorsed property-casualty carrier for the Alliance of Automotive Service Providers National (AASP—National) insurance program, offering members specialty coverage, preferred pricing and the opportunity to be eligible for a safety group dividend.

Choosing GaragePro for auto repair shop insurance coverage also provides business owners with access to risk control resources and consultations with our UFG Loss Prevention team, whose goal is to help you ensure your business runs safely. 

Choose GaragePro insurance protection for your business and entrust it with the small business professionals at UFG. Use our Find an Agent feature to locate a UFG agent in your community.

Insurance for small businesses
Designed to insure most "main street" retail or service small businesses where the majority of business takes place on-site.

Business owners have a lot on their minds—from staffing to payroll and expenses to revenues—but insurance shouldn’t be something they have to worry about.

PremierPro® is designed specifically for business owners, combining broad property, crime protection and liability insurance for small businesses with a variety of optional coverages to meet the needs of your specific business.

In addition to the standard ISO business owners coverages, several coverage enhancements are available, including data processing; employee dishonesty; equipment breakdown; false pretenses; fine arts; money and securities; off-premises utility services; ordinance law; and water backup/sump overflow.

When you choose PremierPro insurance protection for your business, you can rest assured you're entrusting it with the small business professionals at UFG.  Use our Find an Agent feature to locate a UFG agent in your community.