BUSINESS OWNERS POLICY with Pioneer State Mutual

Insurance Protection That Means Business.

When you need solid insurance coverage to protect your commercial assets, it shouldn’t be business as usual. As a trusted Michigan-based provider for more than 100 years, we understand that insurance should be a reliable and stable safety net when you need it the most. Our versatile coverage for business owners provides the security and flexibility to ensure your business operates smoothly and remains successful.

Our features include:

  • Automatic Increase feature for Building Limits
  • Outdoor Property - $2,500 limit including fences, TV/radio antennas, unattached signs (fire, lightning, explosion, riot or civil commotion or aircraft perils only)
  • Exterior Signs Attached to Buildings - $1,000 per sign
  • 25% Seasonal Increase of Business Personal Property
  • Money & Securities - $5,000 inside premises; $2,000 outside premises / Up to $50,000 for either
  • Forgery and Alterations - $2,500 limit / Up to $100,000
  • Business Income - Actual loss sustained within twelve (12) consecutive months
  • Extra Expense - Actual loss sustained within twelve (12) consecutive months
  • Accounts Receivable - $10,000 at premises; $5,000 Not at premises/Up to $250,000
  • Valuable Papers and Records - $10,000 at premises; $5,000 Not at premises/Up to $250,000

Property - Highlights

  • Business Income from Dependent Properties - $5,000
  • Debris Removal - 25% of loss
  • Electronic Data - $10,000
  • Exterior Building Glass
  • Personal Property off Premises - $10,000
  • Transit Coverage - $10,000

Liability - Highlights

Below is a partial listing of Liability Coverages included:

  • Blanket Contractual
  • Host Liquor Liability
  • Non-Owned Watercraft Liability - (less than 51 feet)
  • Damage to Premises Rented to You - $50,000 limit /Up to $1,000,000
  • Personal and Advertising and Injury

We also offer:

  • Businessowners Advantage (PBP ADV)
  • Office Businessowners Advantage (OBP ADV)
  • Retail/Wholesale Businessowners Advantage (RWBP ADV)

Optional Property Coverages - Highlights

  • Earthquake
  • Spoilage - Limit up to $50,000
  • Water Backup and Sump Overflow - Limit up to $100,000
  • Cyber Suite Coverage
  • Blanket Building
  • Blanket Business Personal Property
  • Employee Dishonesty
  • Actual Cash Value
  • Agreed Value
  • Equipment Breakdown
  • Food Contamination
  • Utility Services - Direct Damage &/or Time Element
  • Ordinance or Law

Optional Liability Coverages - Highlights

  • Professional Liability for: Barber/Beauty, Florists, Funeral Directors, Veterinarians, Optical and Hearing Aid, Pharmacists
  • Employee Benefits
  • Condominium Directors & Officers
  • Waiver of Transfer of Rights or Blanket Waiver of Transfer of Rights
  • Employment Related Practices
  • Hired & Non-Owned Auto
  • Stop Gap
  • Additional Insured Endorsements/Blanket Endorsement available
Check out our mobile app! With it you can pay bills, report claims, get your policy documents, and even access your Proof of Insurance!

Discounts Available!

  • Paid in Full Discount - 5% (Subject to Policy minimum)
  • Multi-Policy Discount - 10% (With Commercial Auto or Umbrella

Guaranteed Rate Lock!

  • Your rates may be locked for three years
  • No additional premium charge

Check out our Mobile App!

This brochure is intended to be a broad summary of the insurance coverages provided by a Businessowners policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.


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