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Safeguard Businessowners

We know choosing the right insurance for your small- or medium-sized business is an important decision. That is why we created our Columbia Safeguard businessowners program. Our Columbia Safeguard businessowners product is a comprehensive insurance policy designed to meet your needs, regardless of whether you specialize in service, retail, whole sale, contracting or auto service professions. 


Because we understand one size doesn’t fit all, this robust policy provides broad traditional coverages you need but offers you the flexibility to add enhancements tailored for your specific needs.


Our policy includes the following coverages to help protect your business from the uncertainty of day-to-day risks:



Building & Business Personal Property

Protect your workspace as well as your contents, tenants’ improvements and betterments, leased property and even someone else’s property in you care. We’ll include protections like these at no additional cost:                                    

  • Equipment Breakdown
  • Debris Removal
  • Automatic Annual Limit Increase for Buildings
  • Season Increase for Business Personal Property 

Business Income & Extra Expense 

When you have a covered property loss, these coverages provide protection for loss of income and extra expense you may incur. These features include:

  • Dependent Properties coverage
  • Ordinary Payroll
  • 72-hour waiting period
  • Optional 6, 9 or 18-month periods of indemnity 



It’s important to consider your liability risks as a business owner. Our policy includes the following coverages at no additional cost:

  • Premises & Operations
  • Products & Completed Operations
  • Personal & Advertising Injury
  • Damage to Premises Rented to You
  • Medical Expenses



Contact your local agent
Contact your local agent today to find out how our policies
can meet the unique needs of your business.

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