Commercial Insurance

Contractors Insurance - Contractors with up to $1,000,000 in payroll, 3 years in business (or prior experience in related fields), and up to 25% of annual receipts arising out of subcontracted work. 

Highlights

• Contractors' Installation Coverage
• Contractors' Tools & Equipment Coverage
• Non-owned Tools & Equipment Coverage - leased or rented in care, custody, or control
• Employees' Tools

Are you an apartment building owner? Are you looking for protection for a single apartment or townhome complex or multiple complexes. Frederick Mutual provides competitive insurance premiums and coverages for your apartment and townhome developments. Our habitational insurance offerings protect each building, business personal property, and associated liability exposures.

Apartment Insurance - Complexes with valuation up to $5,000,000 per building, 6 stories, $15,000,000 Total Insured Value, and 15 locations per policy.

Highlights

• Water Backup & Sump Overflow
• Lock Replacement
• Newly Acquired Buildings
• Tenant Move-Back Expenses
• Money Orders and Counterfeit Money
• Outdoor Property coverage for trees, shrubs, and plants

Offering liability and business personal property coverage for a wide variety of service-oriented businesses such as photographers, laundromats, hair/nail salons, barber shops and many more! Processing and Service business insurance looks for businesses with up to 35,000 square feet, $10,000,000 annual sales per location, and 25% annual gross sales from off-premise operations.

Highlights

• Personal Property Off-Premises
• Jewelry (Theft)
• Money & Securities
• Professional Liability (Added coverage)

You worked hard to get your business up and running! Now, Frederick Mutual wants to makes your business insurance fully covers your operations. Let Frederick Mutual bring your business Peace of Mind with our outstanding rates and coverages!

Retail Industries Insurance - Retail businesses up to 35,000 square feet, $10,000,000 in annual sales per location, and 25% annual gross sales from off-premises operations.

Highlights

• Brands & Labels included
• Outdoor Signs
• Fine Arts
• Seasonal Increase up to 50%
• Patterns/Dies/Molds (Theft)

Frederick Mutual offers insurance for commercial property owners who own office buildings and/or office professionals seeking coverage for their operations. From doctors and law offices to interior designers and real estate agents, we cover a multitude of offices and professionals that work within their walls. Find optimal coverage for your business today!

Office & Professional Insurance - Office buildings up to 100,000 square feet and 6 stories, and building owners that updated major systems within the last 25 years.

Highlights

• Interruption of Computer Operations
• Accounts Receivable
• Valuable Papers & Records
• Employee Dishonesty
• Business Income

Target Wholesalers and Distributors - Wholesale/Distributors with buildings up to 35,000 square feet, $10,000,000 annual sales per location, and system updates in the last 25 years.

Highlights

• Electronic Data
• Selling Price Valuation
• Newly Acquired Business Personal Property
• Pollutant Clean-up & Removal