When it comes to your business, we mean business.

SurSafe offers coverage for a wide variety of business risks. SurSafe is there for you during every step.

Did you know SurSafe has always been locally operated? SurSafe originated and still operates in a small town in southwest Missouri. Doesn't it make sense to trust an insurance company who operates their business in the same way you operate yours? Only insuring property in Missouri allows us to focus our protection on those locally owned and operated smaller businesses that help define Missouri's culture. We can best protect your livelihood because we run our business just like you do.

Request Your Free Quote

Businessowners - BOP

The SurSafe Businessowners Program provides a package policy including property, liability, and business income coverage for eligible risks. Optional endorsements may be added.

Commercial Package Policy - CPP

SurSafe offers a Commercial Package Policy that may include any combination of the following commercial lines: commercial property, commercial general liability, products/completed operations liability, professional liability, and employment-related practices liability for eligible risks. Optional endorsements may be added.

Commercial Property Policy - CF

SurSafe offers coverage for only building and business personal property on a Commercial Property Policy.

Our target markets include, but are not limited to:

Institutional
  • Churches
  • Community Buildings
  • Civic Service or Social Clubs
  • Cemetaries
Office
  • Accounting and Payroll Firms
  • Insurance Agencies
  • Real Estate Agencies
Retail
  • Antique Stores
  • Hardware Stores
  • Gift Shops
BOP Contractors
  • Landscape Gardening
  • Cleaning Services
  • HVAC repairs
  • Plumbing - Residential or Office
Service
  • Restaurants
  • Florists
  • Beauty Shops
  • Laundry & Dry Cleaning
Other
  • Lessor's Risk
  • Self-Storage Facilities

Optional Coverages:

Add more protection to your livelihood with these options.

Employment Practices Liability Insurance (EPLI)

Protects businesses from financial losses stemming from employment-related claims, such as discrimination, harassment, wrongful termination, and retaliation. It covers defense costs, settlements, and judgments resulting from these claims, shielding businesses from significant financial burden.

Employee Dishonesty

Fraudulent acts by your employee that cause direct loss or damage to your business personal property, money or securities.

Spoilage

Covers your perishable stock when damaged by breakdown, contamination and power disruption.

Outdoor Signs

Your commercial outdoor sign on premises covered against named perils.

Sewer and Drain Backup

Building and business personal property covered when water backs up through sewers or drains.

Valuable Papers

Cost to reproduce, replace or restore lost or damaged valuable papers.

Coverage is provided by SurSafe Mutual Insurance Company, Billings, Missouri. SurSafe is only licensed to sell insurance in Missouri. Terms, conditions and exclusions will apply. These brief descriptions of coverage are for you to see what SurSafe offers. They are not a statement of contract. Please refer to your policy for a full description of your coverages. Please contact your local SurSafe agent for more information.