Business and Commercial Insurance

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Businessowners Policy

Your business needs protection from unexpected losses. Our Businessowners policy (BOP) is a package approach to providing protection for your building, content, liability exposures and loss of business income. Your independent insurance agent can provide you with the information and options you need to make the best decisions for your business operation.

Businessowners Policy — Mini Storage Program

Mini Storage owners have unique insurance protection needs. Our Mini Storage BOP policy takes into consideration those unique coverages, including liability from lockout, removal, or disposition of customer’s property, to protect your investment.

Commercial Package Policy

Our Commercial Package Policy provides a wide range of property and liability coverage to our business customers. We package our Commercial Property, Commercial General Liability and Inland Marine coverages into a Commercial Package Policy to meet your individual business needs.

Commercial Property Policy

Our property policy provides protection for property-eligible risks only. If you need your building and/or contents covered, this policy may be right for you.

Commercial General Liability

Even the smallest of businesses need protection while operating a business. Our Commercial General Liability policy provides coverage when bodily injury or property damage occurs to others because of your operations.

Commercial Auto Policy

If you use vehicles in your business operation, you will need protection from potential auto losses. Cars, trucks, and vans can be covered by our Commercial Auto policy. Learn more about the multi-policy discounts available when you insure your business auto with us.

Commercial Inland Marine Policy

A Commercial Inland Marine policy provides protection for property moved on a regular basis. Examples include a backhoe a contractor moves from jobsite to jobsite or expensive camera and musical instrument equipment. We offer a number of coverages and options to provide protection from perils like fire, theft, storm damage, etc. Your local agent can help with your specific needs.

Commercial Umbrella Policy

A Commercial Umbrella policy is designed to give you higher limits of liability protection above normal policy limits. When we write your operations liability and auto liability, an umbrella can add extra limits protection for your business. Discuss your need for protection over and above the limits on your other policies with your independent insurance agent.

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“I don’t know how we would have gotten through this loss without the help of your adjuster. He truly made a difference in our lives.”

Northwest Missouri

“Our claim was handled quicker than anticipated given the major losses in Joplin. Cameron Mutual far exceeded our expectations and our adjuster was personable, knowledgeable, and very helpful to us.”

Joplin, Missouri

“You hear all kinds of horror stories of insurance companies being difficult and not willing to help in your time of need. I am so pleased I have the exact opposite to say about you and your company.

The wreck impacted so many people aside from everything it did to me personally. It has been very refreshing not to have another issue on my hands with your company!”

Southwest Missouri