Commercial insurance and small business owner

Make CIG Your Commercial Insurance Partner

As a community-minded insurance carrier, we are proud to offer flexible and trusted insurance options to business owners. Whether you’re a seasoned landlord or the founder of a start-up just off the ground, we have insurance just for you. CIG offers commercial insurance for a wide range of businesses for restaurants, multi-unit dwellings, hotels, flower shops, accounting firms, and golf courses to name a few.

That’s the thing about insuring with CIG – we understand you. We live and work in your neighborhood, and we want you to succeed. We are locally-operated and enlist a network of outstanding independent insurance agents who understand the nuances of what makes your business tick and what you need us to protect. For us, that’s truly taking care of business.

Get connected with a local CIG Agent today, who can help get you started.

Business Owner Policies

Leased Buildings

The success of your properties depends on how well you maintain and manage your leased buildings, as well as on having the right insurance coverage to minimize the impact on tenants and protect your investment. Protect your leased properties against loss, damage, liability, or business interruption with CIG.


Running a retail business has its own unique challenges. Protecting your business involves not just your place of business but all the people who come into your store. For retailers, liability coverage can be as critical as your property protection. To be prepared for the unexpected, you need a sound safety and security plan.


Running a commercial office is a big responsibility. In addition to satisfying your clients every day, you also have to worry about insuring your business for theft, disaster, lawsuits, breakage, and business interruptions. Any one of these events could shut you down for a day, week, month, or more. That’s why it’s important that your insurance partner have the expertise to recommend the best coverage options for your professional office.


Warehouse insurance coverage is based on your particular structure, the goods you store inside, and how those materials are handled. For example, if you are storing and handling inventory for others, you may need bailee’s coverage to protect against damage to those products.

Apartments & Condos

Tenants rely on you during a crisis. Your ability to quickly fix, recover, and sustain the viability of your residential property is essential. CIG’s BOP for apartment buildings is designed to cover property and liability exposures that are uniquely associated with multi-unit residential buildings or apartment complex. Find out more about special savings for apartment owners here.

Commercial Auto

Your business needs separate insurance for your commercial vehicles and CIG knows exactly what you need for the specific problems that could arise – from shipment and transfer issues to straight-forward liability coverage for employees. Find out exactly how we can help your business stay on the road.

Specialty Services
Commercial Umbrella
Roadside Assistance
Cyber Security

Hotel and Restaurant

When you’re in the hotel or restaurant business, you go to great lengths to cater to your guests so they have a positive experience and want to return. As frenetic and unpredictable as your job may be under normal circumstances when a sudden interruption occurs, it can throw everything into a tailspin. Keeping your doors open is critical to your survival.

Protect Your Lifestyle

Excess Liability Insurance

Your Home and Auto policies provide an excellent basic foundation for your liability coverage. An umbrella goes the extra mile to provide the additional coverage you may need to protect you against the possibility of catastrophic or frivolously expensive legal liability.

Umbrellas defend you against financial loss arising from lawsuits due to:

  • Physical injury or wrongful death of another person due to an accident or negligence
  • Damage to property belonging to another person or company for which you are liable
  • Civil, economic, or personal injury such as wrongful eviction, libel, slander, defamation of character, or invasion of privacy

Call your CIG Agent for more information.

For Commercial And Personal Auto Policyholders

Roadside Emergency?

Whether you are a Commercial or Personal Auto policyholder, you have the opportunity to add our Roadside Assistance as an additional service to your policy. Both are a great value for the services provided! Learn more here.

Cyber Liability Coverage

Approximately 50% of small and mid-sized businesses have admitted to being unprepared for cyber attacks. Regardless of the size of your business, make sure you’re protected against cyber criminals. Check out our our new Cyber Liability Coverage for BOP (Business Owner Policies)!

Customer Testimonials

Protecting and restoring your way of life is what we do. But don’t take our word for it! See what our policyholders are saying…

Policyholder – May 14, 2019

“CIG’s claim adjuster is very responsive; the claim process is very smooth with CIG auto insurance.”

Policyholder – May 10, 2019

“Everyone has been kind, respectful, professional, patient, reassuring & helpful. Thank you❣️”

Insurance to fit your needs. Find a local CIG agent near you today!