Property and Liability Protection for Small Business Owners
Help your small business clients secure the stable, dependable coverage they need. SageSure offers competitive business owners policy options from highly rated carriers.
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We like to keep it simple.
Comprehensive coverage, competitively priced
Provides complete, dependable coverages for your customers at affordable prices.
Easy-to-use quoting interface
Our intuitive Agent Portal provides quote-to-policy issuance in under 5 minutes for businesses with fewer than three locations.
Easy, flexible payment options
Semi-annual, quarterly and monthly installment plans are available, as well as a discount for full payment.
Business Owners Policy Class List – Not all classifications are available in all states.
Office
- Accounting Services (including CPAs)
- Bookkeeping Services
- Collection Agencies
- Credit Reporting Agencies
- Detective or Investigative Agencies
- Employment Agencies
- Engineers or Architects – Consulting (including Surveying Services)
- Health Maintenance Organizations
- Inspection and Appraisal Companies
- Insurance Agents
- Labor Union
- Lawyers
- Marine Appraisers or Surveyors
- Medical Offices
- Payroll Accounting Services
- Political Campaign Headquarters or Offices
- Real Estate Agents
- Ticket Agencies
- Title Agents
- Veterinary Office
Wholesale
- Air Conditioning, Heating or Combined Air Conditioning and Heating Equipment
- Appliances
- Automobile Parts and Supplies
- Bakeries – With or Without Baking
- Barber or Beauty Shop Supplies
- Bookbinding and Printing Supplies
- Clothing or Wearing Apparel
- Collectibles and Memorabilia
- Equipment, Fixtures or Supplies Distributors – Office, Store, or Hospitality Commercial Equipment
- Fabric
- Floor Covering
- Florists
- Fruit or Vegetable
- Gardening and Light Farming Supply
- Grocery – With no Gasoline Sales – With or Without Restaurants
- Hardware and Tools
- Hearing Aid
- Hobby, Craft or Artists’ Supplies
- Janitorial Supplies
- Jewelry Including Repair
- Meat, Fish, Poultry or Seafood
- Optical Goods
- Plumbing Supplies and Fixtures
- Refrigeration Equipment
- Stationery or Paper Products
Retail
- Army and Navy Stores
- Beverage Stores – Liquor and Wine
- Bicycle Shops
- Boat Dealers
- Books and Magazines Stores – New and Used
- Building Materials Dealers – Contractors Equipment Dealers
- Camera and Photographic Equipment
- Candy or Confectionary Stores Including Any Manufacturing
- Catalog or Premium Coupon Redemption Stores
- Ceramic Stores
- Computer Stores
- Convenience Food Stores With or Without Restaurants and No Gasoline Sales
- Copying and Duplicating Stores
- Cosmetic, Hair or Skin Preparation Stores
- Dairy Products or Butter and Egg Stores
- Department Stores
- Drugstores
- Dry Goods Dealers including Yarn and Piece Goods
- Electrical Lighting Stores
- Electronics Stores
- Fence Dealers
- Furniture Stores
- Gift Shops
- Health or Natural Food Stores
- Home Furnishings Stores
- Home Improvement Stores
- Leather Products or Hide Stores
- Luggage Goods Stores
- Machinery or Equipment Dealers – Farm Type Only
- Mailbox or Packaging Stores
- Mail Order Houses
- Marble Products – Retail
- Medical, Hospital and Surgical Supply – Retail
- Metal Dealers
- Music Stores – Retail
- Musical Instrument Stores – Retail
- Newsstands
- Paint, Wallpaper or Wallcovering Stores
- Painting, Picture or Frame Stores
- Paper & Paper Products, Rag/Rubber Stock Dealers – Secondhand
- Pet Stores
- Powered Equipment Dealers
- Precision and Scientific Tools and Instruments Stores
- Sewing Machine Stores
- Ship Chandler Stores
- Shoe Stores
- Sporting Goods and Athletic Apparel Stores
- Sporting Goods or Athletic Equipment Stores
- Supermarkets – Without Gasoline Sales
- Swimming Pools
- Tire Dealers
- Toy Stores
- Trophy Stores
- Variety Stores
- Video Stores – Sales and Rental
- Wood Products
Restaurants
- Bistros, Brasseries and Cafes With or Without Alcohol Sales (Including BYOA)
- Coffee Bars or Shops
- Concession Stands
- Delicatessens
- Diners With or Without Alcohol Sales (Including BYOA)
- Donut Shops
- Drive-ins or Service in Car
- Drug Stores with Restaurants
- Family-style Restaurants – With or Without Alcohol Sales (Including BYOA)
- Fine Dining Restaurants – With or Without Alcohol Sales (Including BYOA)
- Hamburger or Malt Shops
- Hot Dog Shops
- Ice Cream and Yogurt Stores
- Oriental Style
- Other Ethnic Style
- Pizza Shops
- Roast Beef
- Salad Bars
- Sandwich Shops
- Seafood
- Snack Bars
- Take Out Only Restaurants
Service & Processing
- Advertising and Related Services
- Art Galleries
- Auctioneers – Off-premises
- Barber Shops
- Beauty Parlors and Hair Styling Salons
- Dental Laboratories
- Engraving
- Funeral Homes or Chapels
- Interior Decorators
- Jewelry – Repair
- Laundromat (Self-service)
- Laundry and Dry Cleaning Stores Including Receiving Stations
- Lithographing
- Locksmiths
- Mailing or Addressing Companies
- Manufacturers’ Representatives
- Photographers
- Printing
- Self-storage Facilities
- Shoe Repair
- Tailoring or Dressmaking Establishments
- Television or Radio Receiving Set Installation or Repair
Habitational & Real Estate
- Apartment Buildings – With or Without Office or Mercantile Occupancy
- Commercial Condominiums (Association Risk Only)
- Lessor’s Risk Only With No More Than 10% Ineligible Occupancies
- Office Condominium (Association Risk Only)
- Residential Condominium (Association Risk Only)
- Townhouses or Similar Associations – With or Without Mercantile or Office
Access Dedicated Regional Underwriting Support
State-specific underwriting experts are standing by to assess risks quickly and keep your business moving forward.
The commercial lines insurance market is an untapped income stream for many producers, enabling them to increase revenue, expand their client base, and diversify their book of business beyond personal insurance. Currently, 12 million uninsured US small businesses represent $65 to $70 billion in opportunity, according to Verisk.
From the desk of an insurance agency to the counter of a bustling fish market, Gail Mishoe has always been driven by a desire to serve people. For nearly 30 years, she worked to protect families, but her heart has always belonged in the kitchen.
We don’t just insure businesses; we invest in the people behind them. Zoës Steak and Seafood, a Virginia Beach restaurant, is more than just a place to eat—it’s a gathering spot, a supporter of local causes, and a testament to what hard work and heart can build.
Natural disasters have a pronounced economic impact on small businesses. Research done by JPMorgan Chase after Hurricane Sandy suggests an estimated 25% to 40% of small businesses impacted by a similar disaster will fail shortly thereafter, a rate much higher than the 10% annual nationwide rate for employer small businesses that same year.1