Source: Auto-Owners Insurance — Retail Insurance
Auto-Owners Insurance: Retail Stores Insurance Appetite
Auto-Owners is one of the most competitive retail markets in the Midwest. Their pricing for Main Street retail is consistently among the lowest, and their claims handling is excellent. The exclusive agency model ensures strong local service. A go-to choice for independent agents placing small retail risks in their territory.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$1,000-$7,500
Typical annual premium
Target States
26 states (Midwest and Southeast)
Key Features
- Broad BOP with equipment breakdown and business income coverage
- Very competitive property rates for Midwest Main Street retail
- Workers' comp with retail safety programs
- Fast quoting and binding through local agency system
- Low minimum premiums for small retail operations
Limitations
- Available in only 26 states — primarily Midwest and Southeast
- Firearms dealers, vape shops, and adult retail are excluded
- National retail chains and big-box stores need commercial package
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