Business Auto 
Whether your business has one vehicle or many, business auto insurance is an essential part of any business insurance plan, especially if the vehicles are used primarily for commercial purposes. We can insure many types of vehicles and fleets ranging from private passenger vehicles and pickups to heavy trucks with local and intermediate operating distances.
Basic Coverage
Personalized Coverage
Business auto insurance is an essential aspect of your business insurance program. Our product is designed to protect your business from physical damage or liability losses involving vehicles that are vital to your operations.
Depending on the coverage you choose, United Fire Group’s business auto insurance provides coverage to repair or replace a vehicle damaged in an accident and will pay the claims of any third party injured in an accident.
Contact one of our independent insurance agents today to customize the coverage you need to protect your business.
Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.
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In addition to your basic business auto policy, United Fire Group offers:
- Auto Composite Rating Plan: This program is designed for larger fleets. It allows United Fire to calculate one rate that will be charged for each vehicle in a specific vehicle class, which means less paperwork and fewer hassles for you, our policyholder.
- Business Auto Ultra: This add-on coverage is designed to offer high-value protection at a low cost by broadening the coverage provided by our business auto policy. Some of the coverages included in our Business Auto Ultra endorsement include towing and labor; rental reimbursement and additional transportation expense; personal effects coverage for certain personal effects when a covered auto is stolen; employees as insured (covers individual liability of employees using their own autos); automatic additional insured when required by contract or agreement; and physical damage coverage for hired, leased, rented or borrowed autos.
Business Owners Policy
Owning your own business can be both rewarding and satisfying, but it also comes with its own set of worries and frustrations. Every business has its own unique exposures that could cause a severe financial loss if not properly insured. You have enough things to worry about as a business owner; insurance shouldn’t be one of them. Let United Fire Group protect you.
Basic Coverage
Personalized Coverage
United Fire Group’s business owners policy is designed especially for business owners, combining property, liability and crime protection. It includes a variety of enhancements that offer protection for many aspects of your business, including:
Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.
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To better meet your needs, you can customize your insurance policy with a variety of optional coverages.
- Blanket Limit coverage: If your business has multiple locations, a single limit of insurance will apply to all locations. This is important because it ensures that your inventory will still be covered, even if it moves between locations.
- Spoilage coverage: This type of add-on coverage isn’t just for restaurants. Spoilage coverage can help cover lost revenue should your business lose perishable products due to covered causes of loss, such as power outages or the breakdown of coolers and refrigerators.
- Hired and Non-Owned Auto: This coverage is available if your business does not have any owned autos, but borrows or hires an auto.
Commercial Property
United Fire Group understands the risks you face as a business owner. We have carefully developed commercial property insurance solutions for any size business; from a locally-owned company on Main Street to one on the Fortune 500 list.
Basic Coverage
Personalized Coverage
Properties require constant upkeep. And no matter how diligent you are in your efforts to maintain your property, unexpected losses can and do occur. We protect a wide variety of commercial property from fire, theft and natural disaster.
Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.
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In addition to our basic commercial property policy, United Fire Group offers:
- Commercial Property Plus: This endorsement broadens the coverage provided by our commercial property policy, allowing you to customize the coverage to meet your exact needs.
- Additional and Extended Coverages include lock replacement, business income and extra expense, property in transit, fine arts, employee theft, forgery or alteration, and security breach/identity theft.
- Increased coverage limits include debris removal, electronic data, valuable papers and records, fire department service charge, and personal effects and property of others.
- Contractors Property Plus: This add-on coverage provides increased coverage for fire department service charge, pollution cleanup, newly acquired property, valuable papers, signs, outdoor property, accounts receivable, fire extinguisher recharge, data processing, and lock replacement.
- Equipment Breakdown: You can enhance your policy to cover the cost to repair or replace mechanical, electrical or pressure systems that suffer a breakdown. Some of the types of equipment covered are air conditioning systems, boilers, computers, electrical systems and refrigeration units.
Some costs your business may accrue due to a piece of equipment breaking down are also covered. These costs include coverage for business income, data restoration, service interruption, demolition and increased costs of construction, refrigerant contamination and perishable goods.
- Restaurant Property Plus: Designed especially for restaurant owners, this add-on offers a variety of specialty coverages, such as spoilage, food contamination, employee theft and outdoor signs.
- Winery Plus: From vineyard to tabletop, we can ensure a vintner’s peace of mind by enhancing the commercial property policy with our Winery Plus endorsement. This additional coverage protects employees, buildings, equipment and, of course, wine.
Commercial Umbrella
A huge liability loss can strike at any time. As a business owner, you have more to lose and more ways to lose it. If your business was found to be at fault for an event, would you have enough insurance from your current commercial liability policies to cover another person’s injuries? Could you stand to lose everything, including the business you’ve worked so hard to build, as a result of this unfortunate event?
We live in an increasingly litigious society, which is why it is crucial, especially for business owners, to have an extra layer of liability coverage. That’s where United Fire Group’s commercial umbrella policy can help.
The commercial umbrella program from United Fire Group provides additional liability protection, picking up where your commercial general liability and commercial auto liability policies leave off.
Plus, unlike others in the industry, our commercial umbrella is a true umbrella policy, meaning that you are protected against some claims that may not be covered by your underlying policies.
We encourage you to take this opportunity to learn more about how our commercial umbrella program can protect you from the day you have a claim. It could be the most important policy you ever purchase for your business.
Contact one of our independent insurance agents today to customize the coverage you need to protect your business.
Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.
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Contractors Errors and Ommissions
As a contractor, you manage multiple projects at one time, with your customers depending on you to complete their jobs on time and on budget. But, no matter how careful you are, mistakes can happen. You need the coverage to protect your business from losses caused by defective materials or faulty workmanship. These types of losses can have a devastating impact on your business’ production, profitability and reputation.
The contractors errors and omissions (E and O) policy from United Fire Group offers unique coverage to protect you against four important coverage exclusions in a standard general liability policy:
Before something unexpected happens, we encourage you to learn more about the contractors E and O coverage from United Fire Group. It could mean the difference between staying in business or closing your doors.
Contact one of our independent insurance agents today to customize the coverage you need to protect your business.
Content on this website represents only a brief description of coverages. Coverages vary by state. Some products are not available in every state. Please check with your agent and read the policy for exact details on coverages and exclusions.
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* Required
Copyright © 2012 United Fire Group | All rights reserved | Disclaimers and Other Legal Documents | Privacy Statement | Website Privacy
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
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