Running a business in Southern Indiana means your risks are specific — the equipment on your floor, the inventory on your shelves, the employees showing up every morning. Generic coverage leaves gaps that only show up at the worst time. We represent Erie Insurance, Progressive, and other carriers, which means we can shop your coverage and match you with a policy that actually fits your risk, not just your industry category.
What a Business Owners Policy Covers — and Why It Matters
A business owners policy, or BOP, is the foundation most small businesses build from. It bundles the coverages you need most into a single, manageable policy — and it's designed to be customized as your business grows.
A standard BOP typically includes:
- Commercial property coverage — protects your building, equipment, inventory, and physical assets against fire, theft, storm damage, and more
- General liability coverage — covers third-party bodily injury and property damage claims, including customer injuries on your premises
- Business income coverage — replaces lost revenue if a covered event forces you to temporarily close
- Equipment breakdown — covers repair or replacement costs when essential machinery fails
Workers' compensation is handled separately from a BOP but is required for most Indiana employers. We write workers' comp coverage as well and can coordinate it alongside your BOP so nothing falls through.
Industries We Serve: Retail and Manufacturing
Retail parts stores and small-to-midsize manufacturers make up a meaningful part of our commercial book, and for good reason — these businesses carry real property exposure, inventory risk, and liability that a generic small business policy often underestimates.
For retail and parts operations, we focus on commercial property limits that reflect actual replacement cost, product liability, and coverage for stock that moves in and out. A policy built for an office doesn't serve a parts counter.
For manufacturers and shop-floor operations, we write coverage for businesses up to roughly 100 employees — including equipment and machinery coverage, commercial property for your facility, general liability, and workers' comp. Manufacturing risk in Gibson and Warrick counties has grown alongside the regional employer base, and we've kept pace with it. If your operation has expanded since you last reviewed your coverage, that review is overdue.
If your industry isn't listed here, reach out. If there's enough demand for a dedicated page, we'll build one — but in the meantime, we cover a wide range of small business types and are happy to talk through your specific situation.
Serving Small Businesses Across Southwest Indiana
Our commercial clients are spread across the same counties our personal lines clients call home. We write business insurance in Evansville and throughout Vanderburgh County, in Newburgh and Boonville in Warrick County, in Princeton and Fort Branch in Gibson County, and in communities across Posey and Spencer counties.
That local presence matters when something goes wrong. We show up — at the office, at the shop, and at the claim. Our clients in the building trades and manufacturing know that an agent who answers the phone and knows your operation is worth more than a lower quote from someone who's never seen your floor.
Ready to Build Coverage That Fits Your Business?
Most small business owners we talk to aren't underinsured because they were careless — they're underinsured because no one ever walked them through it. That's what we're here for. Tell us what you do, and we'll put together a business owners policy built around it.
Common Questions About Small Business Insurance in Indiana
What's the difference between a BOP and a commercial package policy?
A business owners policy is a bundled product designed for smaller businesses — it combines property, liability, and business income coverage at a set structure. A commercial package policy is more modular and typically used for larger or more complex operations. Most small businesses in the retail and light manufacturing space are well-served by a BOP, sometimes with endorsements added for specific risks.Is a business owners policy enough for a small manufacturer?
It depends on the size and complexity of your operation. For manufacturers up to roughly 100 employees, a BOP can serve as a strong foundation — but equipment breakdown coverage, commercial auto, and workers' comp are often added separately. We review your full exposure before recommending a structure.Do I need workers' comp in Indiana even if I only have a few employees?
Indiana requires workers' compensation coverage for most employers with one or more employees, with limited exceptions. If you have people on payroll, you almost certainly need it. We write workers' comp and can bundle the conversation with your broader commercial coverage review.What does commercial property insurance cover for a retail store?
Commercial property coverage protects your building (if you own it), your business personal property, inventory, fixtures, and equipment against covered perils like fire, theft, vandalism, and certain weather events. Flood damage is not included in a standard policy — that requires separate flood coverage.How do I know if my current business coverage is keeping up with my growth?
The clearest sign is that you haven't reviewed it since you grew. If you've added employees, expanded your facility, taken on new equipment, or added product lines, your coverage limits may no longer reflect your actual exposure. A policy review costs you nothing and takes less time than you'd expect.
Ready to Build Coverage That Fits Your Business?
Most small business owners we talk to aren't underinsured because they were careless — they're underinsured because no one ever walked them through it. That's what we're here for. Tell us what you do, and we'll put together a business owners policy built around it.