Business Insurance

Westfield’s comprehensive commercial insurance offerings are designed to safeguard businesses of all sizes with customized coverage.

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Coverage at Westfield

What Is Business Insurance?

Business insurance, also known as commercial insurance, helps protect business owners from unexpected losses. To address the unique risks of their operations, businesses often bundle multiple business insurance coverages into a single policy. With the right coverage, you can reduce out-of-pocket payments for costly property damages, legal settlements, and more.

Westfield offers a range of flexible business insurance products for companies both big and small. Whether you need workers’ compensation or agribusiness insurance, we can provide the tailored solutions and peace of mind you need.

Industries We Serve

Insurance for Your Business

Contractors

Our insurance options for contractors help cover project liabilities, employee tools, errors and omissions, and more.

Distributors

Coverage for distributors supports a wide array of operations, including home furnishings, industrial machinery, and construction supplies.

Farm and Agribusiness

Specialized coverages for farmers and agribusiness owners that address the unique challenges faced by the agricultural sector.

Health Care

Our health care coverage options serve a broad range of medical offices, laboratories, and care centers.

Hospitality

From restaurants and caterers to hotels and golf courses, our extensive experience and strong coverages set Westfield apart.

Manufacturers

Whether you work in metal fabrication, screen printing, or food production, our coverage can be customized to meet your needs.

Offices

From accountants and lawyers to architects and consultants, professional offices of all kinds rely on Westfield to help protect their businesses.

Real Estate

Our products and services help real estate owners and property managers address the specific risks of their industry.

Retail

Protect what keeps your retail business moving: your storefront, your inventory, and your team.

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SureStep® BOP

Small Business Insurance

Many commercial insurance companies bundle essential business insurance coverages into one convenient, affordable package. At Westfield, our business owners policy (BOP) combines property, business interruption, and general liability insurance. Plus, you have the option to add industry-specific endorsements and coverages, making it perfect for many small to midsize companies.

Explore Surestep BOP

Commercial Coverages*

What Type of Insurance Do You Need to Run a Business?

General Liability

Help your business recover from lawsuits and claims related to incidents on your properties.

Commercial Property

Safeguard your buildings, whether owned or leased, and certain on-site equipment and assets.

Business Interruption

Cover expenses and maintain cash flow if your operations are disrupted by a covered event.

Commercial Auto

Safeguard the vehicles you and your employees use for business purposes, including trucks and vans.

Equipment Breakdown

Shield your business from costly repairs when equipment fails due to a mechanical or electrical issue.

Inland Marine

Protect valuable assets like tools and supplies while in transit or when stored at a temporary location.

Crime Insurance

Protect your business against theft of money and securities, whether on- or off-site, under certain circumstances.

Commercial Cyber

Help your business respond to and recover from various cyber-attacks, including data breaches and phishing attempts.

Commercial Umbrella

Get additional coverage that exceeds the limits of your primary insurance policies.

Workers’ Compensation

Help pay for the medical care, rehabilitation costs, and lost income of employees who are injured on the job.

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Hear From Our Customers

Thank you for being such a reliable insurance company to have by my side to help my business when in need of advice, and for the communication over the years.
– Robin F., Commercial Lines Customer

Products & Services

Effective Products and Services to Elevate Your Business

Whether you run a multi-location enterprise or online-based small business, insurance is critical to your success and financial stability. At Westfield, a business insurance policy is just the beginning. We also offer a variety of products and services designed to enhance and protect your business, employees, and clients.

Risk Control

Westfield is dedicated to helping businesses like yours thrive. We offer industry-specific risk management services and resources to help create a safe workplace and keep losses to a minimum.

Premium Audit

As your business evolves and its needs change, so may your insurance premium. That’s why Westfield conducts periodic premium audits to make sure you only pay for what you need.

Surety Bonds

We offer a broad selection of commercial and contract surety bonds to support your business. Our bonds help ensure you meet your commitments and contractual obligations with confidence.

Specialty Insurance

Our team brings extensive expertise and experience to the international specialty market. We can tackle complex coverages like management liability, excess and surplus (E&S) property, and more.

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Our Footprint

Which States Offer Westfield Commercial Insurance?

Westfield offers insurance for businesses in the following states: Arizona, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, West Virginia, and Wisconsin.

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Pricing Factors

How Much Is Business Insurance?

The cost of business insurance varies because each business is different and faces its own set of unique risks. Commercial insurance companies must consider a variety of pricing factors, including:

Business size
Industry
Location
Number of employees
Payroll
Years of experience
Claims history

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Why Westfield

What Should You Consider When Purchasing Insurance?

When it comes to protecting your business, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Westfield agents tailor your policy to match the specific needs of your business and budget.

Financial Strength

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Our team of underwriters, risk control consultants, and claims specialists have industry-specific expertise.

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Business Insurance Quotes

Find an Agent Near You

Every business is unique — and your coverage should be too. Connect with a local agent to see if Westfield business insurance is the right fit for your company.

Contact an Agent

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Business Insurance Insights

5 Types of Business Insurance
It’s important to understand the various types of business insurance available so you know what kind of policy is best suited for your needs.
Do Small Business Owners Need Workers Compensation?
Workers’ compensation provides benefits to employees who are injured or become ill on the job. Learn when small business owners need this coverage.
Protect Your Bottom Line: 5 Hidden Costs That Could Break Your Business
This list uncovers five budget busters and alternative options to save cash.

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*Please review your actual policy language to see applicable coverages, limits, and exclusions.