Western National has been providing high quality insurance coverage to businesses for over a century. As a financially stable insurer with a commercial staff averaging 20+ years of industry experience, we are well-equipped to tailor a program to fit your company's unique insurance needs.

With a variety of benefits, including access to our expert Loss Control staff and our library of safety and compliance resources, we're confident that Western National provides your company with a combination of coverage, price, and service that amounts to industry-best business protection.

Your Independent Insurance Agent can help you determine which of the following coverages are right for your business. If you don't currently have an Independent Insurance Agent, you can find an agent who works with Western National by clicking here.

Businessowners Policy (BOP)

Western National's Businessowners Policy (BOP) program is designed for small businesses that desire to combine their property and liability insurance needs into one convenient package of coverages. Our unique BOP program is available for hundreds of eligible small business classes and comes complete with flexible payment options, including monthly direct bill installments.

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Commercial Automobile

Western National insures commercial vehicles in conjunction with other commercial policies. Standard coverages for Commercial Auto include:

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Commercial Package Policy (CPP)

The CPP policy is a valuable and cost-effective way to combine many different lines of business into one package. The Fire and Allied Lines, Crime, Inland Marine, and General Liability coverages are eligible for the package.

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Contractors E&O

Western National's Contractors E&O form provides coverage on a claims-made basis for damages resulting from the policyholder's negligent act, error, or omission arising from the business operation described in the declarations or from a defect in material or product sold or installed by the policyholder while acting in the business.

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Cyber Liability

With the increased use of e-commerce; web-based file storage; and the proliferation of smart phones, laptops, and tablets in businesses of all sizes, data security risks are growing exponentially. Recognizing this increasing risk, we developed a Cyber Liability coverage program that provides both First Party and Third Party Protection for our new and existing commercial policyholders. Cyber Liability limits are available up to $1,000,000 and our program includes these ten core coverage components:

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Employer's Practices Liability

Western National offers Employer's Practices Liability (EPL) coverage for eligible commercial policies, making it easier and affordable for employers to protect themselves against these increasingly prevalent claims. This EPL program protects employers against claims of discrimination, sexual harassment, wrongful termination, and other unlawful employment practices.

To access Western National's EPL resource website (EmployerProtectionNet), click here.

EPL website resources:

About EmployerProtectionNet (PDF) Establishing Access to EmployerProtectionNet (PDF) Legal Advice Line (PDF) Back to Top

Fire and Allied Lines

Western National provides the many types of insurance necessary to protect your business from the perils of fire, theft, wind, loss of income, etc. Coverage for building, building personal property, and personal property of others is standard under the policy. In addition, Western National has a Property Enhancement Endorsement that expands many of the coverages available under the basic property form. The following coverages are subject to expanded limits:

Western National also includes Equipment Breakdown insurance as part of our property policy, which helps our policyholders avoid potentially disastrous coverage gaps. Equipment Breakdown insurance covers the physical and financial damage stemming from an insured equipment failure. It's the bottom-line protection essential for today's technology-driven world. Western National's policy pays for losses that aren't typically covered by standard property policies. Our insurance includes:

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General Liability

Western National uses the ISO General Liability policy. The policy offers coverage for the following:

In addition, Western National has a "Voluntary Property Damage" endorsement available with limits of $5,000 each occurrence and $25,000 aggregate with a $250 deductible.

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Inland Marine

Western National provides most of the typical Inland Marine coverages. Listed below are some of the more common ones:

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Manufacturer's E&O

Western National’s Manufacturer’s E&O form provides liability coverage on a claims-made basis for damages resulting from the policyholder’s faulty workmanship, materials, or products. It is designed to bridge the gap in Product Liability coverage created by certain business risk exclusions.

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Western National offers niche insurance coverages through its subsidiary company Pioneer Specialty. Currently, Pioneer Specialty offers carefully crafted, individually underwritten policies for a number of specialty business classes, including:

Home Health Care Recycling & Dismantling Refuse Collector School Buses Septic Services & Installation Towing Tree Care Truck Body Manufacturing Back to Top

Commercial Umbrella

Western National writes Commercial Umbrella policies in conjunction with other commercial insurance. This policy adds higher limits of liability beyond General Liability, Commercial Auto, and Employer's Practices Liability. One of the requirements of the Commercial Umbrella program is that Western National insures your primary underlying coverages.

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Workers' Compensation

The Workers' Compensation policy pays for medical expenses and lost wages in amounts determined by state law. All employers are required to either purchase Workers' Compensation insurance or be self-insured. Employers can work with Loss Control Representatives and Claim Administrators at Western National to monitor and manage their claims. Western National offers the following Workers' Compensation programs:

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Questions? Ask us by phone or email.