North Star Commercial Insurance
North Star Mutual Insurance Company provides commercial business insurance designed specifically for small businesses, contractors, churches, landlords, and rural main street communities.
We are committed to protecting your investment with broad, comprehensive coverage tailored to meet the changing risks businesses face today. Whether you own a retail store, service company, contracting business, or church, North Star offers customized protection to help safeguard your property, employees, and reputation.
Commercial Insurance Coverage
North Star Commercial Insurance policies provide protection for:
- Commercial Buildings
- Business Personal Property Coverage
- General Commercial Liability Insurance
- Commercial Auto Insurance
- Umbrella Liability Insurance
- Workers’ Compensation (through SFM)
- Employment Practices Liability Insurance (EPLI)
- Cyber Liability Insurance
Our policies are designed to help protect against lawsuits, property damage, employee-related claims, and cyber threats. With comprehensive coverage tailored to your operations, you can close gaps that might otherwise leave your business exposed to these modern exposures.
Specialty Commercial Insurance Programs
North Star offers specialized business insurance packages built for specific industries and their unique risk exposures.
Business Protector Policy (BOP Insurance)
Protection for Small to Medium-Sized Businesses – The Business Protector Policy combines property and liability insurance into one comprehensive, cost-effective package.
Eligible Businesses Include:
- Retail Stores (Clothing, Hardware, Toys, etc.)
- Restaurants & Bakeries (No Bars)
- Conveniences Stores
- Food & Grocery Stores
- Florists
- Funeral Homes
- Motels
- Photographer Studios
- Self-Storage Facilities
- Barber & Beauty Shops
- Dental Labs
- Print & Copy Stores
- Embroidery or Engraving Businesses
- Tailoring or Dressmaking
- And many more small businesses
Business Protector Coverage Overview
Key Business Protector Coverages include:
- Business Personal Property Off-Premises
- Burglary, Robbery, or Theft
- Business Income
- Debris Removal
- Electronic Data
- Equipment Breakdown
- Interruption of Computer Operations
- Newly Acquired Business Personal Property
- Acquired/Constructed Property
- Outdoor Property and Signs
- Valuable Papers and Records
- Fire Department Service Charge
- Comprehensive Liability
- Employees as Insureds
- Medical Expenses
- Non-Owned Watercraft or Auto
- Personal and Advertising Injury
- Products and Completed Operations
- Property of Others
- Tenant’s Fire Liability
Optional Business Protector Coverages:
- Sewer & Drain Backup
- Directors & Officers (D&O) Liability
- Employee Dishonesty
- Hired Auto Coverage
- Employment Practices Liability
- Inland Marine Coverage
Church Protector Policy
The Church Protector Policy helps protect churches, parsonages, and related property from property damage, liability claims, and specialized risks unique to ministries.
Insure valuable church property, such as:
- Steeples
- Organs
- Stained Glass
- Pews and other seating
- Sound Equipment
- Kitchen Equipment
Church Protector Coverage Overview
Key Church Protector Coverages include:
- Arson Reward
- Fire Department Service Charge
- Buildings Appurtenant to the Church/Parsonage
- Business Personal Property at New Locations
- Church Theft
- Equipment Breakdown
- Glass and Stained Glass
- Grave Markers
- Outdoor Property and Signs
- Pastoral Property
- Sewer and Drain Backup
- Valuable Papers and Records
- Employee Dishonesty
- Medical Payments Coverage
- Products and Completed Operations
- Personal and Advertising Injury
- Fire Damage Legal Liability
- Host Liquor Liability
- Medical Payments for Athletic Activities
- Medical Payments for Donated and Volunteer Labor
- Non-Owned and Hired Auto Liability
- Cemetery Liability
- Damage to Property of Others
Optional Church Protector Coverages:
- Builder’s Risk Coverage
- Corporal Punishment Liability
- Directors and Officers Liability
- Pastors Counseling Liability
- Replacement Cost Coverage
- Sexual Misconduct Liability
- Employment Practices Liability
- Inland Marine Coverage for Fine Arts, Instruments, and Watercraft
- Other Misc. Coverages
Contractor Protector Policy
North Star’s Contractors Protector Policy provides specialized insurance protection for trade contractors and service professionals.
Eligible Contractor Types:
- Heat or Air Conditioning Service
- TV, Radio, Cable Installation
- Carpentry
- Carpet and Upholstery Cleaning
- Ceiling or Wall Installation
- Concrete Construction
- Doors, Windows, or Millwork
- Driveway Paving or Repairing
- Electrical Work (No Alarms/Repair)
- Fence Erection
- Furniture/Fixtures/Appliance Installation
- Gas, Oil, & LPG (No Dealers)
- Interior Decorators
- Janitorial Services
- Landscaping (No Tree Trimming)
- Lawn Care Services
- Masonry
- Office Machine Service
- Painting or Paperhanging
- Plastering or Stucco Work
- Plumbing
- Septic Tank Systems Service
- Siding Installation
- Street Cleaning Services
- Tiling Stone, Mosaic, Terrazzo Work
- Water Softening Service
- Window Cleaning (Up to Two Stories)
Contractor Protector Coverage Overview
Key Contractor Protector Coverages include:
- Debris Removal
- Pollutant Clean Up and Removal
- Increased Cost of Construction
- Electronic Data
- Fire Department Service Charge
- Valuable Papers and Records
- Outdoor Property and Signs
- Non-Owned Detached Trailers
- Personal Property off Premises
- Personal Effects and Property of Others
- New or Newly Acquired Locations
- Bodily Injury/Property Damage
- Medical Payments
- Products and Completed Operations
- Contractual Liability
- Fire Damage Legal Liability
- Employees as Additional Insureds
- Explosion, Collapse, and Underground Coverages
- Personal Injury and Advertising Liability
- Host Liquor Liability
- Incidental Medical Malpractice
Optional Coverages:
- Increased Fire Damage Legal Liability
- Non-Owned or Hired Auto Liability
- Employee Theft
- Money and Securities
- Deductible or Coinsurance Provision
- Accounts Receivable
- Employment Practices Liability
- Inland Marine for Equipment and Tools, Building Materials, Customer Property in Care of Contractors, Installation Floater, 2-Way Radios, Cell Phones, Etc.
Garage Protector Policy
The Garage Protector Policy offers comprehensive property and liability protection for service garages and repair shops.
Eligibility List:
- Auto Repair (mechanical)
- Auto Glass Shops
- Auto Graphics
- Tire Dealers
- Farm Machinery Repair
- Boat Repair & Servicing
- Oil Change Facilities
Garage Protector Coverage Overview
Key Garage Protector Coverages include:
- Broadened Premises
- Debris Removal
- Fire Department Service Charge
- Personal Effects and Property of Others
- Valuable Papers and Records (Non-electronic)
- Property Off Premises
- Outdoor Property and Signs
- Accounts Receivable
- Employee Tools and Equipment
- Backup of Sewers, Drains, or Sump Systems
- Money and Securities
- Money Orders and Counterfeit Money
Optional Garage Insurance Coverage:
- Garagekeeper’s Coverage – Comprehensive and Collision Coverages for customer’s vehicles in your care, custody, and control while they are being serviced.
- Hired and Non-Owned Auto Liability
- Employment Practices Liability
Commercial Umbrella Liability Insurance
Umbrella insurance provides extra liability protection beyond your base policy limits.
Commercial Auto Coverage
North Star Mutual offers coverage for business use vehicles.
Commercial Claims Service
If you experience a loss, North Star Mutual is committed to providing fast, fair, and personal claims service to help you recover quickly and with confidence.