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Business Insurance Coverages

We understand that every business is unique and requires specialized insurance coverage. With over a century of experience, we have been insuring businesses since 1894 and have the expertise to offer the right mix of insurance coverage to protect almost any type of business. Whether you own a small retail store, a thriving bakery, or a large manufacturing facility, we can provide the comprehensive insurance solutions you need to safeguard your business against unforeseen risks. Please keep in mind these short explanations are just summaries of the types of insurance offered. 

Common Coverages



Protects property such as buildings, office equipment, stock, copyrights, and loss of use of property due to a loss. 


General Liability

This (casualty) insurance protects your legal responsibility for losses for which your company is responsible including slip and fall or product injuries.


Business Auto

Provides coverage for a land motor vehicle such as a car, truck, or trailer.

Additional Coverages


Workers' Compensation

Employer-purchased coverage to pay for medical expenses, lost wages, and/or death benefits for employees who suffer a work-related injury or illness.

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Surety Bonds

Provide monetary compensation to a third party if there's a failure to perform specific acts by the insured party within a stated period of time.

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Equipment Breakdown Coverage

Protects against the costs associated with losses to your building’s equipment. It pays for the cost to repair or replace equipment damaged by breakdown, expenses related to limiting the loss or to the steps you take to more quickly restore your business, and in conjunction with your business income coverage, losses due to a covered accident. 


Crime Coverage

Protects a business from losses caused by theft, robbery, or burglary of real property and monies and securities.


Cyber Suite Coverage

Helps businesses respond to a range of cyber incidents, including breaches of personally identifying or personally sensitive information, threats of unauthorized intrusion into or interference with computers systems, damages to data and systems from computer attacks, and cyber-related litigation.


Business Umbrella

Protect businesses by increasing the primary limits of liability coverage to coverage over automobiles, general liability, and employer’s liability.


E&O (Errors and Omissions)

Protects against loss due to a claim of a negligent act, error, or omission by the insured party.


EPLI (Employment Practices Liability Insurance)

Protects against claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline, and failure to employ or promote.


D&O (Directors and Officers)

D&O insurance provides liability coverage for wrongful acts of a board of directors of either a nonprofit corporation or group.

Businesses We Insure

Review our complete list of businesses we insure.

Our Areas of Operation

West Bend is proud to work with over 1,000 independent insurance agencies in 14 states including:

  • Arizona
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • North Carolina
  • Ohio
  • Tennessee
  • Virginia
  • Wisconsin
Map of US showing the states we write in colored blue.