Business Owners / Commercial Insurance

Business Owners / Commercial Insurance

Business owners and commercial insurance, often referred to as commercial insurance, is tailored to meet the unique needs of businesses, whether small or large. It provides protection for your business operations, property, liability, employees, and more against a wide range of risks, including accidents, natural disasters, lawsuits, and more.


  1. Property Insurance: Covers your business property, including buildings, equipment, inventory, and other assets, against perils such as fire, theft, and vandalism.
  2. General Liability Insurance: Safeguards your business against third-party liability claims, such as bodily injury or property damage, and provides legal defense and settlements.
  3. Business Interruption Insurance: In the event of a covered loss that disrupts your business operations, this coverage provides financial support to help cover expenses and lost income.
  4. Professional Liability (E&O) Insurance: This coverage is vital for service-based businesses, offering protection against claims of negligence or errors and omissions in the provision of professional services.
  5. Commercial Auto Insurance: If your business owns or operates vehicles, this coverage protects against accidents, property damage, and liability on the road.
  6. Cyber Liability Insurance: As businesses increasingly rely on digital systems, this coverage helps protect against data breaches, cyberattacks, and the legal and financial consequences that can follow.

Workers Compensation

Workers’ compensation insurance, often referred to as workers’ comp, is a mandatory insurance policy that provides financial support to employees who suffer job-related injuries or illnesses. It helps cover medical expenses, lost wages, and rehabilitation costs for employees while protecting employers from potential liability claims.


  1. Medical Coverage: Workers’ comp insurance covers medical expenses related to injuries or illnesses sustained on the job, including doctor’s visits, hospital stays, medications, and rehabilitation.
  2. Disability Benefits: It provides compensation for employees who are unable to work due to a work-related injury or illness, including temporary and permanent disability benefits.
  3. Lost Wages: If an employee is unable to work due to a job-related injury or illness, workers’ comp insurance provides partial wage replacement to help them maintain financial stability.
  4. Death Benefits: In the tragic event of a workplace fatality, workers’ compensation insurance provides financial support to the employee’s beneficiaries, covering funeral expenses and survivor benefits.
  5. Legal Protection: Workers’ comp insurance can protect employers from lawsuits filed by injured employees. In exchange, employees generally waive their right to sue the employer for damages in most cases.

Personal and Commercial Umbrella

Umbrella policies provide excess liability coverage of your existing personal or commercial insurance policies.  They help fill the gaps left by primary insurance coverage by kicking in when the limits of your underlying policies are exceeded.


  1. Increased Liability Coverage: Personal and commercial umbrella insurance provide an additional liability limit that is higher than provided by your primary underlying auto, home, or business insurance policies. This added protection can be crucial in the event of a lawsuit or liability claim.
  2. Broad Coverage: It may provide a wider range of protection, including coverage for personal injury claims, property damage, libel and slander, and other liability risks not covered by standard insurance policies.
  3. Legal Defense Costs: Umbrella insurance typically covers legal expenses, including attorney fees and court costs, in the event of a lawsuit or liability claim.
  4. Excess Liability Coverage: Umbrella insurance can also provide excess liability coverage for certain types of commercial policies, including general liability, commercial auto, and workers’ compensation.

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Corporate Office

Farmers Union Service Association, LTD,
1415 12th Ave SE
PO Box 2020
Jamestown, ND 58402

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Farmers Union Insurance
3801 Memorial Hwy Ste. C.
Mandan, ND 58554

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4600 Kietzke Lane A-107
Reno, NV 89502

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