Commercial

Commercial businesses will find a true risk protection partner in CHS Insurance – one that brings a depth of knowledge about the unique exposures of your operation and a network of risk management resources for real-world solutions.

Our current products include:

Automobile
Boiler & Machinery/Equipment Breakdown
Bonds
Builders’ Risk
Business Income
Cargo/Transportation
Computers/Electronic Data Processing Equipment
Crime
Difference in Conditions
Directors’ & Officers’ Liability
Directors’ Travel Accident
Employment Practices Liability
Excess Umbrella Liability
Fiduciary Liability
Flood
Foreign Liability
General Liability
Grain In Transit Contamination
Grain Title/Mortgaged & Stolen Grain
Mobile Equipment
Mortality Coverage
Ocean Marine
Pollution Liability
Products Recall
Professional Liability
Stock
Wharfinger’s Legal Liability
Workers’ Compensation

Automobile
Provides liability protection for sums you are legally required to pay due to bodily injury and property damage caused by an accident resulting from the use of a covered auto. Your business vehicles may also be covered for direct physical damage (comprehensive and collision) up to the vehicle’s actual cash value. return to top

Boiler & Machinery/ Equipment Breakdown

Coverage is provided for explosion of steam boilers, steam pipes, steam turbines and steam engines and artificially generated electrical currents (electrical arcing) that damage or destroy electrical appliances, devices, fixtures, motors or wiring. return to top

Bonds

Bonds are guarantees or warranties, not insurance, and are usually required by federal, state or local governments. You agree to pay the bond obligee if you do not perform according to your obligation. The bonding company will then seek reimbursement from you for all sums paid to the obligee. Examples are USDA Warehouse Bonds, Grain Dealer Bonds, License and Permit Bonds, Performance Bonds, Toll Road Credit Guarantee Bonds, Gas/Oil Bonds and ERISA Bonds. Download information on our Deferred Grain Payment Bondsreturn to top

Builders’ Risk

Insures your property that is under construction. Coverage can be provided for the building(s) being constructed, materials used in the construction which may be stored off premise or while in transit. return to top

Business Income

Following a covered property loss, you are paid for the net income you would have earned had the loss not occurred. This also includes increased expenses you incur to continue operations at the same or new location following the loss. return to top

Cargo/Transportation

Insures your property while in transit on a vehicle you own or while in transit by a conveyance owned by others. Also insures property of others which is in your care, custody or control when that property is in transit in or on vehicles you own, lease or operate. return to top

Computers-Electronic Data Processing Equipment

Provides coverage on your computers, terminals, printers, teleprinters, readers, electronic cash registers, computer programs, tapes, disks, cells and cards. return to top

Crime

Pays for loss of property or funds due to dishonest or fraudulent acts by your employees, forgery or alteration of a check, draft or note by a third party other than employees and the theft, disappearance or destruction of money and securities either inside or outside your premise. Coverage may also be written to include the burglary, robbery of theft of your stock, contents and other business property from your premise. return to top

Difference In Conditions

Provides coverage for those perils excluded from a property policy such as flood, earthquake, volcanic eruption, mudslides, waves, tides and tidal waves. It can also turn a Property Policy into an “All Risk” form when the insurer is only willing to write named peril coverage. return to top

Directors’ & Officers’ Liability

Protects the entity, past and present directors & officers, past and present managers and past and present employees for losses they are legally obligated to pay due to claims brought for wrongful acts and errors and omissions while acting in their insured capacity. These claims can include financial failure of the entity, mishandling of employment related matters and personal profiting. return to top

Directors Travel Accident

Coverage can be written for all directors and managers and pays for loss of life or dismemberment resulting from an accident that happens at home, work or vacation anywhere in the world. It also supplements on the job coverage by paying benefits in addition to those paid by Workers’ Compensation. return to top

Employment Practices Liability

Protects the insured from employment claims made during the policy period due to wrongful acts. The two most common employment related claims are sexual harassment and discrimination. Claims can arise out of coercion, criticism, demotion, evaluation, defamation, humiliation and termination. return to top

Excess Umbrella Liability

Provides third party liability protection against claims for bodily injury and property damage you become legally obligated to pay. This protection can be in excess of underlying Automobile Liability, General Liability, Employers’ Liability and Umbrella Liability. return to top

Fiduciary Liability

The policy pays loss on behalf of the insured resulting from a breach or alleged breach, error or omission of fiduciary duty of Employee Benefits Liability. The allegations may include denial or change in benefits, error in the administration of a plan, improper advice, improper plan termination, what investment options to include in a 401K Plan, monitoring those investments and educating employees on those options. return to top

Flood

The policy provides coverage on property for losses caused by, resulting from, contributed to or aggravated directly or indirectly by flood, surface water, waves, tides, tidal waves and overflow of any body of water. return to top

Foreign Liability

The Foreign Liability Policy will cover bodily injury and property damage liability arising out of products or goods sold outside the standard coverage territory (USA, its territories and possessions, Puerto Rico and Canada) and claims brought outside the coverage territory. A Foreign Policy can also insure personal property, business income, crime, automobiles, international voluntary Workers’ Compensation, kidnap/ransom & extortion and products withdrawal expense. return to top

General Liability

Provides third party liability coverage for claims you become legally required to pay due to bodily injury (injury to another person) or property damage (damage to another’s property). Defense is provided against suits asking for such damage. The following optional coverages can be added to General Liability:

  • Ag Consulting (Livestock & Chemical)
  • Crop Application
  • Seedman’s Liability
  • Employee Benefits Liability
  • Keep Fill Coverage
  • Misdelivery of Liquid Products
  • Liquor Liability
  • Employers’ Liability (Stop Gap for Monopolistic States)
  • Terminal Access Agreements return to top

Grain In Transit-Contamination

Pays for loss resulting from seizure and condemnation of grain or beans (excluding seed grain or seed beans) by federal, state or public authorities due to insect infestation, animal or bird excrete or filth or chemical contamination resulting from treatment of the property for such conditions or for rodent or insect extermination. return to top

Grain Title/Mortgaged & Stolen Grain

This coverage pays for monetary loss as a result of your purchase of grain from others which was stolen or to which the seller did not have clear title. return to top

Mobile Equipment

Insures your business mobile equipment, both on and off premise, and property of others including leased, rented or loaned property while in your care, custody and control.return to top

Mortality Coverage

The policy pays for direct physical loss caused by the death of covered livestock while being held in feedlots or pastures at locations listed. The animals insured must be described in the schedule. return to top

Ocean Marine

Provides coverage on your property being shipped by vessel, air, mail or parcel post. return to top

Pollution Liability

The policy pays for loss on behalf of an insured who is legally obligated to pay as a result of claims made for pollution conditions emanating from insured locations which cause bodily injury, property damage and clean up costs and which are neither expected or intended from the standpoint of the insured. return to top

Products Recall

This coverage pays for the cost of recalling a product that has been determined unsafe or unfit for human consumption. The product itself is not included for coverage. return to top

Professional Liability

Protects your interests as a result of bodily injury or property damage liability claims arising out of professional services rendered. Professional Liability can include:

  • Ag Consultants
  • Construction Consultant
  • Engineers

Property Provides coverage on all business buildings and other business facilities, all installed fixtures and machinery including movable machinery and all business personal property you own or lease. Coverage can be written:

  • Actual Cash Value
  • Replacement Cost
  • Stated/Agreed Amount
  • Modified Actual Cash Value
  • Salvage Value return to top

Stock

Insures your grain and seed or other agricultural products, merchandise held in storage or for sale, raw materials, in process or finished goods and supplies used in packing or shipping. This includes stock held by you under storage contract or specific agreement in trust. Coverage may be written specific or monthly reporting and is written on an actual cash value basis. return to top

Wharfinger’s Legal Liability

The policy pays on behalf of the insured those sums the insured is obligated to pay by reason of liability imposed by law for loss or damage to vessels and/or barges, their equipment, cargo and freight all owned by others being used by the insured. return to top

Workers’ Compensation

Provides your employee injured on the job with medical benefits, loss of income benefits, death benefits (for survivors) and rehabilitation services as required by your state’s law. Coverage includes Employers’ Liability which pays all sums you are legally required to pay as damages because of bodily injury to your employees for which you are liable to a third party by reason of a claim or suit against you by that third party to recover damages as a result of an injury to your employee. return to top

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