Business Insurance

For over 50 years we have worked closely with Independent Agents to protect the businesses you love. See why a Southern Trust policy is right for your business.

Protecting you and your business.

From small-town businesses to large and complex operations, Southern Trust has the perfect tailored coverage to suit your needs. Running a business is hard work; take a load off your mind by working with a Southern Trust agent take care of your insurance needs.

Products we offer.

All of our insurance products are tailored to fit your specific business needs. A Southern Trust agent can help you determine which insurance products are right for you.

Business OwnersA policy that provides both liability, property, and a wide variety of included additional coverages.
Commercial AutoProtection for your business vehicles.
General LiabilityCovers a variety of claims for damages ranging from slip and falls, property damage to a third party caused by your work or your employee’s activities, libel, slander, or advertising injury, and bodily injury or property damage to another person or their property due to a defect in your work or product.
Inland MarineBroad protection for scheduled items such as machinery, equipment, tools, and more.
Commercial PropertyProtection for your buildings and business personal property.
CrimeCoverage for employee theft of money, securities, and other types of property.
Commercial UmbrellaAn extra layer of liability protection when a loss exceeds your general liability policy limits.

Coverages that may be right for you.

All businesses need protection from life's riskiest events. Please see below for some of our most popular coverages that you may need.

Business Income and Extra ExpenseIf a covered event keeps you from operating your business, this coverage provides loss of income and pays extra expenses related to getting your business back up and running.
Professional LiabilityProtects you from certain liabilities specific to your profession. We offer professional liability coverage for the businesses below:
  • Barbers and Beauticians Professional
  • Funeral Directors
  • Ministers
  • Hearing Aid Establishments
  • Optometrists
  • Printers
  • Veterinarians
Equipment BreakdownCoverage for mechanical breakdown of equipment used in the business.
Cyber LiabilityIn the event of a cyber-attack, we offer services to help your recover such as expenses from lost data, business interruption, and investigative services.
Employment Practices LiabilityCovers defense cost and damages for events related to your workforce, such as wrongful termination, harassment, and discrimination.