Don't forget to cover it with Umbrella!

Foremost offers an all-inclusive Umbrella policy that can be applied to any Business Owners Policy. Our umbrella policy adds another layer of protection and can offer additional coverage in the instance of a catastrophic loss.

Employment Practices Liability Insurance is included!

Keep in mind that Employment Practices Liability Insurance is provided automatically on most business owner policies and covers a wide range of employer/employee related risks that you could be responsible for. It helps you defend against things like wrongful termination, discrimination, slander, defamation, libel, invasion of privacy and sexual harassment.

Operating your business successfully is hard work and the last thing you want to worry about is having the right insurance policy. Foremost understand the unique needs of small businesses and offers flexibility in creating the coverage plan right for your business. Lucky for you, an agent can help you choose the right Foremost policy for your business, so you focus on success while someone else takes care of the paperwork!

We've got you covered with flexible options for over 600 different businesses. (Not sure where your business fits, you'll fit with Foremost! See our list of examples here or locate an agent to learn more.)

Foremost Office Insurance covers:

• Buildings and structures
• Newly acquired or constructed buildings
• Business income and extra expense
• Glass breakage
• Backup of sewers and drains
• Outdoor property

• Office
• Retail
• Service
• Institution
• Wholesale

Coverage for your Office

• Professional Liability — Insurance protection against claims of negligence or malpractice for some classes.
• Accounts Receivable — Provides insurance against losses caused by damage to your records, which may prevent the collection of funds owed to you.
• Employee Dishonesty — Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
• Electronic Data Processing Equipment — A base level of coverage is built into the policy. You can also schedule high value items separately.
• Business Income Loss — Protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses.
• Business Personal Property — Insurance protection against loss concerning your business' personal property and the property of your customers while in your care.
• Valuable Papers — Insurance for the cost to restore information from documents such as medical or legal records, deeds or abstracts.

Coverage for your Retail Shop

• Premises Liability Coverage — Insurance coverage for losses caused by bodily injury or destruction of property suffered by customers on your premises.
• Business Income Loss Protection — Insurance protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses to help you stay in business.
• Employee Dishonesty Coverage — Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
• Money and Securities Coverage — For loss of currency and other negotiable instruments on and off your premises, as well as losses due to counterfeit money and bad checks.
• Seasonal Coverage Increases — Increases your personal property limit during peak periods by 50%, as long as your limit is at least 90% of your average annual contents value.
• Accounts Receivable Coverage — Provides insurance against losses caused by damage to your records, which may prevent you from collecting funds owed by customers.

Coverage for the Service you Provide

• Accounts Receivable Coverage — Provides insurance against losses caused by damage to your records, which may prevent you from collecting funds owed by customers.
• Business Income Loss Protection — Insurance protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses to help you stay in business.
• Employee Dishonesty Coverage — Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
• Electronic Data Processing Equipment Coverage — A base level of coverage is built into the policy. You have the option to increase that level or schedule high-value items separately.
• Business Personal Property Coverage — Insurance protection against losses concerning the property of other people while it is in your care, custody and control.
• Tools and Equipment Coverage — Insurance against losses concerning owned, borrowed, rented or leased tools and equipment.

Coverage for your Institution

• School Tuition and Fees Coverage
• Extended Coverage for accessories, such as musical instruments
• Liability Protection for school nurses and others
• Extended Protection for altars, pulpits, organs and pipe organs and stained glass windows in religious institutions
• Counseling Professional Liability Coverage for damages arising from counseling or therapy incidents
• Church Directors and Officers Coverage for damages resulting from wrongful acts and reimbursement of loss and claim expense
• Event Sponsorship

Coverage for you Wholesale Distributorship

• Accounts Receivable Coverage — Provides insurance against losses caused by damage to your records, which may prevent you from collecting funds owed by customers.
• Business Income Loss Protection — Insurance protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses to help you stay in business.
• Employee Dishonesty Coverage — Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.
• Seasonal Coverage Increases — Increases your personal property limit during peak periods by 50%, as long as your limit is at least 90% of your average annual contents value.
• Inventory Coverage — Insurance protection that's geared toward your volume of inventory as well as its frequency of turnover.
• Personal Property in Transit Coverage — For Business Personal Property being transported in your vehicle by a common or contract carrier or in the mail.

We also offer coverage for Manufacturing facilities, Restaurants and Trade Contractors, and Property Management Companies (Condominium and Townhouse Communities). Take advantage of the knowledge at hand and locate an agent to find out more about these great programs!

Take advantage of the knowledge at hand.
Not all insurance companies have thousands of highly trained and exceptional agents across the country ready to provide you the best policy for your business, in person. Agents are ready to answer the questions you didn't even know you had about Foremost insurance.

Foremost specializes in providing solutions for property, liability, Commercial Auto, Workers' Compensation and Umbrella coverage. Whatever business you are committed to, we are committed to helping you grow and be successful.

We offer a vast range of policies for over 600 different businesses! Check with a local agent to see what coverage plan your business fits into.

• Office — Advertising agencies, credit unions, lawyer and medical offices.
• Retail — Appliance stores, clothing stores, bakeries, book stores, dollar stores, flower shops, ice cream parlors and pharmacies.
• Institutional — Educational, social service, cultural and religious organizations.
• Wholesale — Beverage distributors, appliance distributors, auto parts, candy distributors, clothing apparel, frozen foods and florist distributors.
• Service — Accounting services, barber shops, beauty shops, carpet cleaning, kennels, laundry and dry cleaning and veterinarians.
• Manufacturing — Bottling, food preparations, metal stampings, plastics and sheet metal and cloth printing.
• Habitational —
• Trade Contractors — Air conditioning, driveway paving, drywall installation, electrical work and floor covering and plumbing.
• Restaurant — full service or limited or no table service. (With or without alcohol).

Visit an agent to help you choose the right Foremost policy for your small business.

You Choose!
Foremost offers flexible payment plans, including pay online, by mail or electronic funds transfer.

Important Coverages to Consider.
Workers' Compensation is an important coverage to a small business and it's important to us. Click here to find out more about what separates Foremost Workers' Compensation from the rest.

Commercial Auto coverage provides prompt, responsive and fair service. Click here to find out how to get your business vehicles repaired and back on the road as quickly as possible.

WHY AN AGENT?
"Insurance? I knew absolutely nothing about it, at all. I started looking around and found that there are a lot of companies out there and a lot of information to sort through. So much in fact that I became overwhelmed and didn't know which way was up. Unfortunately, I didn't have a trained advisor guiding me and helping me select the right coverages and ended up paying too much for limited coverage. After my first incident, I found an insurance agent that took me step-by-step through what I needed. What a refreshing experience!"

We want you to take advantage of the knowledge!
Take advantage of our thousands of highly trained and exceptional agents across the country ready to help you choose the best Foremost insurance policy for your business. With all the confusing ways to buy insurance out there today, why not stick with a trained professional who knows the ropes. An agent will focus on saving you time, money and hassle on purchasing and maintaining your insurance. They will help you choose the best policy for your business. Period.

Why get an Agent?

Get Informed. There is so much more to know than what is on this site. An insurance agent is educated and knowledgeable on insurance products and policies. They can answer the questions you didn't even know you had.

Get a Lower Cost. Contrary to popular belief, working with an agent can actually save you money. Agents are professionally trained to help you choose the right policy for you. This saves you from paying for the extras that you don't want.

Get Extra Time. Don't spend time shuffling through papers, trying to figure out if you have the right insurance. Get an agent to take care of the paperwork, so you can take care of focusing on the success of your business.

Get Comfort. Agents are far more efficient at cross-checking and knowing what policies fit best. They can answer your questions and explain coverages in detail.

Get Personal Care. Your agent can provide personal care and follow-through that you wouldn't receive on-line. They will welcome you, educate you, book your policy, take your claim information and thoroughly follow-up.