Commercial package

Customized insurance policies tailored to your business needs.

Making Commercial Insurance Easy

We make insurance for complex businesses simple. When a standard business owners policy doesn’t cover your unique liabilities, Encova Insurance brings expertise to help you evaluate your personal risks and tailor a commercial package policy that ensures your company’s long-term success in the event of a claim.

Additional Coverage

Does your business have especially unique or high-risk insurance needs?

From pollution risks to protecting vehicles against hail storms, ask your agent about how our in-house brokerage, Encova Insurance Agency, can solve the most niche insurance needs.

Full Commercial Coverage

An Encova commercial package policy includes coverage for liability, property and commercial auto and can address specific business risks – even ones that you may not be aware of yet. We partner with your agent and company to do an assessment to help find and limit potential risks.


Coverages, limits, features and availability vary by state.


From products to employees, your company carries liability for its operations. The commercial package policy includes liability coverage to fit these needs, including:

  • Employee dishonesty and theft
  • Products liability
  • Faulty work
  • Slips/falls and injuries on your premises
  • Regulatory non-compliance

Your business property is an investment and an asset. Protect that investment with insurance for your building and equipment, whether leased or owned. Property coverage can include stock and even furniture. It’s your on-premises and even off-premises coverage for everything your company owns.

If your company uses a vehicle in the course of business, it must be insured through a commercial policy and not your personal policy. This coverage will protect your company from auto accidents and injuries or damage while loading or unloading vehicles.