Business insurance coverages

At Grinnell Mutual, we’re always looking forward to tomorrow. From coverages that serve modern insurance needs to services that embrace the latest tech, we’re committed to exceeding expectations.

We offer a variety of specialized insurance coverages.




We work together with your independent agent to give you the most complete insurance package available for your needs. Whether you need to insure your church organ or guard against loss from a pollutant spill, there’s a Grinnell Mutual coverage that can help protect your business.

From loss control specialists working to make businesses safer to field claims adjusters who help customers get their lives back to normal, we remain dedicated to being there for you today and tomorrow.

Preventing losses Find coverage that fits the needs of your business Contact an agent


Cyber liability and data breach response

A data breach doesn’t have to be a disaster. But the costs of mishandling a data breach can be high. Your customers and employees trust you with their personal data and once trust is damaged, it’s hard to repair. Plus, you are legally obligated to protect the data you collect. Breaches can involve personal health information (PHI), personally identifiable information (PII), trade secrets, or intellectual property, and the information can be electronic or physical records.

We know that responding to a data breach is not only costly, it’s complex and experts from multiple disciplines may be needed to mount a coordinated response to even a small incident. That’s why we have teamed up with Beazley, a leading insurer of information security risks to provide coverage.

What does Cyber liability and data breach response coverage include?

  • Response to breach events
  • Third-party liability coverage including regulatory actions and credit card breaches
  • Initial breach investigation and assistance at every stage
  • Complimentary loss-control and risk-management information including online resources and webinars

Commercial Auto

Accidents happen, but you don’t have to face these claims alone.

Our Commercial Auto coverage offers additional coverages for your business vehicles and liability coverage that protects you and your employees during at-fault accidents that result in injuries or damages.

Preventing losses Find coverage for your business Contact an agent


Commercial Umbrella Liability

Your current commercial liability policy will protect you up to the limits specified in the policy. 

Unfortunately, that might not be enough if you have a serious liability claim and your business or personal assets may be at risk.

A commercial umbrella policy provides coverage for claims that exceed the limits in your current commercial liability policy.

Commercial Umbrella insurance policy features

A commercial umbrella policy is designed to provide you an extra level of liability coverage to protect your business assets. It extends coverage over and above the limits specified in your underlying policies.

  • Broader coverage (in some areas) than primary policies provide, subject to a retention amount
  • Replacement of primary coverage once the primary aggregate limits of liability have been reduced or exhausted
  • Directors’ and Officers’ Liability up to $1 million
  • Potential defense coverage when a claim or suit is not covered by an underlying policy or when the limits of liability have been exhausted on an underlying policy

Commercial Umbrella insurance provides Affordable protection

The cost of the Commercial Umbrella insurance coverage varies depending on your business operations. Many times, the cost of a Commercial Umbrella policy will be a fraction of the cost of your other policies.

Who is eligible for a Commercial Umbrella insurance policy?

Any customer who has all underlying commercial liability policies with Grinnell Mutual may be eligible for a Commercial Umbrella liability policy.

Employment practices liability (EPLI)

The future has its risks. Our enhancements have you covered.

Many business policies do not cover employment suits, but Grinnell Mutual’s Employment Practices Liability insurance (EPLI) helps provide financial protection from a variety of employment suits and complaints. It also can cover defense costs. And we can connect you with attorneys experienced in employment law who can focus on your legal case, so you can focus on your business.

Why your business may need EPLI

Your company is like a family, and it is hard to think of anyone filing a complaint against you. But it happens, and jury awards and out-of-court settlements can run into hundreds of thousands of dollars. Add legal fees and management attention, and the total cost can be staggering.

 EPLI coverages

  • Wrongful dismissal, discharge, or termination, including breach of an implied contract
  • Harassment (including sexual harassment)
  • Discrimination
  • “Retaliation”
  • Employment-related misrepresentation(s)
  • Employment-related libel, slander, humiliation, mental anguish, infliction of emotional distress, defamation, or invasion of privacy
  • Wrongful failure to employ or promote
  • Wrongful deprivation of career opportunity, wrongful demotion, or negligent “employee” evaluation, including the giving of negative or defamatory statements in connection with an “employee” reference
  • Wrongful discipline
  • Failure to grant tenure
  • Failure to provide or enforce adequate or consistent corporate policies and procedures relating to any “wrongful employment act”
  • Negligent supervision or hiring by an “insured”
  • Violation of an individual’s civil rights

Preventing losses Contact an agent


Equipment Breakdown

Businesses have changed. So have their risks.

You have property insurance, but many policies don’t cover a motor burnout, a short-circuited electrical system, or a mechanical failure. With Grinnell Mutual’s equipment breakdown coverage, you’re covered. Equipment breakdown coverage offers protection for the equipment, machinery, and systems that run every business.

And many property insurance policies don’t replace the income lost as a result of equipment breakdown. They also might not cover damage caused by operator error, nor will most warranties or maintenance contracts. These are the types of losses Grinnell Mutual’s equipment breakdown coverage helps cover.

Workers’ compensation

Your employees may be your business’ most valuable asset. No matter how careful you and your employees are, accidents and illness happen. A fall, an equipment malfunction, or an auto accident can result in high medical bills and a temporary or permanent loss of valuable, experienced employees.

Protect your employees — and your bottom line — with our affordable workers’ compensation insurance.

Workers' compensation benefits 

  • Medical
  • Survivor
  • Lost wages
  • Rehabilitation

We believe in prevention.

We also offer loss control services for our policyholders, working with you on effective injury and illness prevention to keep your workplace safe and reduce the probability of employee injuries happening in the first place.

Preventing losses Find coverage for your business Contact an agent