Business Insurance

Howard Mutual has been serving the business community in Chatham-Kent for decades. We understand the unique needs of our fellow businesses and business owners and can provide flexible and competitive insurance options to meet your needs.

Small Business Packages

At Howard Mutual, we understand that every business type has unique insurance needs. We have designed packages to meet your particular needs.

  • Contractors
  • Retailers
  • Office and home office
  • Residential rentals
  • Church organizations

Custom Business Packages

  We can meet the needs of all small businesses with a wide range of coverage solutions available.    

Custom Insurance for Farm Operations

Farm operations can be small, family owned, or large, complex, commercial firms. For over 125 years we have been designing custom insurance packages for farming operations of all types and sizes.

Commercial Auto Insurance Solutions

Whether you have a single commercial vehicle or a fleet of vehicles, Howard Mutual can provide you with the competitive commercial auto insurance you need. We offer fleet insurance solutions that are much more flexible than the rest of the insurance industry. We also provide coverage for local garage operations.

Coverage To Meet Your Needs

At Howard Mutual, we offer a full line of business insurance coverage including:

  • Replacement cost on your buildings and equipment
  • Blanket coverage for your buildings, equipment, and stock
  • Floater coverage for your portable equipment and tools
  • Business interruption coverage to ensure you stay in business after a loss
  • Equipment breakdown insurance
  • Liability for your business
  • Coverage if you are the victim of financial fraud, robbery, or theft
  • Pollution liability coverage