Business Insurance
Through our independent insurance companies we offer coverages and limits to protect you and your business
Common Coverages:
Business Owners Policy (BOP)
Commercial General Liability (CGL)
Commercial Property
Inland Marine
Contractor’s Errors & Omissions (E&O)
Commercial Auto Coverage
Special Event Insurance
Liquor Liability Insurance
Business Insurance in Ohio
At Steiner & Granger, we know that every business large or small faces unique risks. That’s why we offer a wide range of business insurance solutions designed to protect your property, employees, and financial stability. Our independent agency partners with top-rated insurance companies to build custom commercial insurance plans tailored to your specific industry, operations, and goals.
Whether you own a small retail shop, run a construction company, or manage a professional office, our team is here to help you safeguard what you’ve worked hard to build so you can focus on running your business with confidence.
Common industries we work with include Landscaping Contractor, Carpentry Contractor, Concrete Contractor, Roofing Contractor, General Contractor, plumbing, restaurants, mom & pop shops, small businesses, lessors risk, meat markets, grocery stores, flower shops, nonprofits, and more!
Common Business Insurance Coverages
Business Owners Policy (BOP)
A Business Owners Policy combines essential coverage such as general liability insurance and commercial property insurance into one convenient, cost-effective package. It’s ideal for small and mid-sized businesses looking for complete protection against property damage, loss, and legal liability.
Commercial General Liability (CGL)
Commercial General Liability (CGL) coverage protects your business from claims involving bodily injury, property damage, or personal injury that occur as a result of your operations, products, or services. It’s the foundation of any strong business insurance plan and helps protect you from costly lawsuits or third-party claims.
Commercial Property Insurance
Your physical location, equipment, and inventory are essential to your success. Commercial property insurance helps cover losses due to fire, theft, vandalism, or natural disasters, ensuring your business can recover quickly after unexpected damage.
Inland Marine Coverage
Not all business property stays in one place. Inland marine coverage protects tools, equipment, and materials that move from job to job perfect for contractors, builders, and service providers who need protection beyond the walls of their business property.
Contractor’s Errors & Omissions (E&O)
Mistakes can happen in any profession. Contractor’s E&O insurance, also known as professional liability insurance, protects you from financial loss caused by errors, oversights, or professional negligence in your work. It’s especially important for contractors, consultants, and tradespeople who provide specialized services.
Commercial Auto Coverage
If your business owns or operates vehicles, commercial auto insurance provides essential protection. It covers vehicles used for work purposes from company cars to delivery trucks against accidents, property damage, and liability claims.
Special Event Insurance
Hosting an event? Special event insurance protects your business or organization against potential risks like property damage, cancellations, or guest injuries during your event. Whether you’re planning a community fundraiser, festival, or corporate gathering, this coverage helps things run smoothly.
Liquor Liability Insurance
If your business serves, sells, or distributes alcohol, liquor liability insurance is essential. It protects you from claims related to alcohol-related injuries or property damage, ensuring your restaurant, bar, or event remains protected under Ohio’s liquor laws.
Why Choose Steiner & Granger for Commercial Insurance?
For more than 30 years, Steiner & Granger has been a trusted partner to business owners throughout Northwest Ohio. Our team takes pride in understanding your operations, explaining your options clearly, and building a customized business insurance plan that helps protect your people, property, and profits because there’s a difference between being insured and being insured properly.