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Wayne Mutual offers commercial package or monoline property or liability programs that can be tailored to meet the individual needs of today's small and medium-sized businesses. We also offer an Artisan Contractor Program for small to medium-sized trade contractors and a Commercial Auto Program to cover your farm and business vehicles. Consult your local agent to find out how our commercial offerings can be customized to best suit your needs.

Wayne Mutual's commercial programs offer protection for the following:

Property

Covers damage to your facility and its contents

Three types of property forms are available:  basic, broad and special.  These forms offer a different range of coverage, depending on your needs.  The coverages include:

• Most common perils including fire, lightning, vandalism, windstorm or hail, explosion, smoke, aircraft, volcanic action, sinkhole collapse, and riot 

• Building contents, including product and machinery

• Damage to additional structures on premises

• Falling objects (broad or special form only)

• Weight of ice, snow and sleet (broad or special form only)

• Freezing or water overflow (broad or special form only)

• Glass breakage (broad or special form only)

• Collapse (broad or special form only)

• Transit extension (for personal property in transit - special form only)

• Water damage extension (repairs to leaking system or appliance - special form only)

• Theft (special form only)

Optional property coverages include:

• Loss of rent

• Loss of use

• Theft

• Burglary and robbery

• Glass breakage

• Replacement cost

• Debris removal

• Boiler and machinery

• Inflation protection

• Earthquake

• Personal property

• Peak season endorsement

Contact your Wayne Mutual agent for more details on the types of property coverage options available for your business.

Liability

Covers bodily injuries and property damage to others

• Personal liability

• Medical payments to others

Optional liability coverages include:

• Premises liability

• Premises operation (covers your premises and your off-site operations)

• Products and completed work

• Fire legal

Contact your Wayne Mutual agent for more details on the types of liability coverage options available for your business.  

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Mutual agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.