Commercial, Artisan and BOP Programs

Commercial The Homestead Mutual Insurance Commercial Package Program (CPP) is designed for the following risks which are not eligible for our Artisan or BOP programs.

Commercial Program Target Markets:


Businesses that sell goods in large quantities to retailers, restaurants, institutions, industrial, and other businesses. Examples:

  • Barber / Beauty Supply
  • Hardware & Tool
  • Building Materials
  • Heating & Cooling Systems
  • Clothing
  • Coffee
  • Janitorial Supplies
  • Grocery
  • Fabric
  • Juices & Syrups
  • Floor Covering
  • Meat, Fish, Seafood or Poultry
  • Floral
  • Paper Products
  • Food or Drink only
  • Printers
  • Fruits & Vegetables
  • Sporting Goods

Custom Farming:

The harvesting of crops for others. Crops may include wheat, corn, milo, oats, barley, rye, canola, soybeans, sunflowers and popcorn. Rather than written contracts, verbal contracts are the norm. Farmers pay by the bushel, by the acre, or by a combination of both. Manure hauling and application of pesticide risks are ineligible.

Maple Syrup Manufacturing:

Operations involved in three phases of production – collecting the sap, processing it and selling it outright or to wholesalers and retail stores.

Lessor’s Risk:

These classes are for buildings owned but not occupied by the insured and that are leased to others. They may be occupied by any tenant as described in the classification (bank, office, mercantile or manufacturing). The insured may or may not be in charge of maintaining the building.


Food or Drink Only) An individual or business who has been given a concession to sell goods at during a concession period. Many operate from a stand or trailer and are found at music or sporting events, fairs, craft and art shows, etc.Food or Drink Only) An individual or business who has been given a concession to sell goods at during a concession period. Many operate from a stand or trailer and are found at music or sporting events, fairs, craft and art shows, etc.

Commercial Artisan Policy Protect your small business with the coverage that you need, with a Commercial Artisan Policy from Homestead Mutual Insurance

Our Artisan Package Policy gives you access to a wide variety of optional coverages in one convenient package, including property and liability insurance. With the guidance of your agent, you can build a policy that suits you and your business!

Homestead Mutual offers many optional coverages for your unique business needs. Some of these valuable coverages include:

  • Property:
  • Accounts Receivable
  • Automatic Increase – Coverage A &/or B
  • Backup of Sewers and Drains
  • Building
  • Business Personal Property
  • Computers
  • Contractors Equipment
  • Contractors Tools
  • Employee Dishonesty
  • Glass
  • Installation Floater
  • Money and Securities Coverage
  • Ordinance or Law Extension
  • Outdoor Signs
  • Valuable Papers
  • Liability:
  • Additional Insureds
  • Voluntary PD Coverage
  • Non-Owned/Hired Auto

Artisans (AP100 – Contractors Special Form)

Included Coverage Highlights:

  • Commercial General Liability
  • Contractual Liability
  • Mobile Equipment
  • Pollutant Clean Up and Removal
  • Personal Property – Off Premises

The Homestead Mutual Artisans Program covers a worker in a skilled trade – such as

  • Air conditioning and Heating – Systems and Equipment
  • Electrical work (3 years’ experience – No burglar or fire alarm)
  • Plumber (Residential or office …..No sprinkler systems)
  • Septic tank and Lateral installation
  • Siding Installation - Plaster or Stucco (Interior or exterior)
  • Concrete Construction – Masons (3yrs prior experience)
  • Floor covering installation, service & repair (waxing)
  • Appliances and Accessories – Installation & Servicing
  • Awning Installation (Service & Repair)
  • Cabinet Makers & Installation
  • Carpentry services
  • Carpet and Rug Cleaners
  • Caterers (Private)
  • Ceiling or wall installation (Metal)
  • Chimney Cleaning (Residential only)
  • Cleaning Services (Residential or Office)
  • Communication Equipment Installation
  • Computers (Repair and service)
  • Door & Window Installers (Partitions)
  • Driveway, Parking, yard or sidewalk paving & Repairing (Concrete or asphalt)
  • Drywall or Wallboard hanging and taping
  • Fence contractor
  • Woodworking (Furniture & fixtures)
  • Furniture refinishing (Upholstery)
  • Garage and Overhead door Instillation (metal or wood)
  • Glaziers (Glass repair)
  • Gutter Installation
  • Interior decorators - House furnishings Installation
  • Inspector/Appraiser/Land Surveyors
  • Insulation (Residential only – NO EXTERIOR FINISHING)
  • Landscaping – Gardening (NO SNOW REMOVAL/PLOWING)
  • Locksmith
  • Musical Instrument repair (Electronic or Non electronic)
  • Office machines/appliances (Repair or service)
  • Painting (Interior or Exterior ….3 stories or less)
  • Wallpaper installation
  • Refrigeration contractors
  • Sign Painting or lettering (NO work above first floor – No vehicle lettering)
  • Window cleaning/decorating (3 stories or less)

Businessowners Policy (BOP)

The Homestead Mutual Insurance Businessowners Policy (BOP) gives you access to a wide variety of optional coverages in one convenient package. Combining property and general liability insurance, along with optional coverages, a BOP offers comprehensive coverage to you for an affordable price, and protects you and your business in the event of such things as property damage, suspended operations, or lawsuits from bodily injury or property damage to others.

Some of these valuable coverages are:

  • Building
  • Business Personal Property
  • Loss of Income
  • Equipment Breakdown
  • Liability
  • Accounts Receivable
  • Automatic Increase – Coverage A and Coverage B
  • Condominium Loss Assessment Coverage
  • Condominium Unit Owners Coverage
  • Employee Dishonesty
  • Fine Arts
  • Fire Department Service Charge
  • Forgery Coverage
  • Functional Replacement Cost Valuation – Building
  • Money and Securities Coverage
  • Ordinance or Law Extension
  • Outdoor Signs
  • Seasonal Increase
  • Spoilage
  • Theft
  • Theft Exclusion
  • Utility Services Disruption Coverage A & Coverage B
  • Utility Service Disruption – Time Element
  • Valuable Papers and Records
  • Water Backup and Overflow
  • Additional Insured
  • Additional Premium Off-Premises Operations
  • Barbers’ and Hairstylists’
  • Expanded Coverage for Property Damage to Rented Premises
  • Expanded Liquor Liability Exclusion
  • Expanded Liquor Liability Exclusion – With Exception for Scheduled Activities
  • Non-Owned Auto Liability Coverage/Hired Auto Liability Coverage
  • Expanded Non-Owned Auto Liability

Some Additional Coverage Endorsements available:

  • Accounts Receivable At the described premises $20,000
  • Accounts Receivable Away from the described premises $5,000
  • Business Personal Property - Off Premises $15,000
  • Employee Dishonesty $10,000
  • Forgery $5,000
  • Outdoor Signs $10,000
  • Personal Effects $5,000
  • Spoilage $10,000
  • Valuable Papers and Records At the described premises $15,000
  • Valuable Papers and Records Away from the described premises $5,000

Generally Accepted Classes of Business:


  • Medical Offices
  • Non-Medical Offices


  • Appliance Service & Repair
  • Barber / Beauty Shops
  • Printing, Copy & Duplicating
  • Dressmakers / Tailors
  • Engravers
  • Laundries (receiving only)
  • Musical Instrument Repair
  • Photography Studios/li>
  • Taxidermists
  • Watch, Clock & Jewelry Repair


  • General Warehouses
  • Self-Storage (Mini) Warehouses


  • Antiques
  • Ice Cream
  • Appliance & Electronic Sales
  • Jewelry
  • Art Galleries
  • Kitchen Accessories
  • Lamps & Lighting
  • Bath & Beauty
  • Mail Box or Packing
  • Bicycle Sales
  • Movie & Gaming Stores
  • Books & Magazines (no adult stores)
  • Musical Instruments
  • Camera / Photo Equipment
  • Office Supplies & Furniture
  • Candy (no cooking)
  • Paint & Wallpaper
  • China, Glassware, Pottery & Ceramics
  • Picture
  • Clocks
  • Plumbing Fixtures & Supplies
  • Clothing / Tuxedo Rental
  • Record & Music Stores
  • Coffee Shops
  • Religious Goods
  • Coin & Stamp
  • Computer & Software Sales
  • Sewing Shops
  • Cosmetics & Perfume
  • Shoe
  • Dairy Products
  • Souvenir Stores
  • Delicatessens (no cooking)
  • Sporting Goods & Athletic Equip
  • Fabrics & Wool
  • Stationary or Paper Products
  • Florists
  • Toys
  • Framing
  • Furniture
  • Trophy
  • Garden or Lawn Supplies
  • Vacuum Cleaners
  • Gift & Candle Stores
  • Greeting Cards & Stationary
  • Wigs
  • Grocery
  • Wildlife Stores
  • Hardware
  • Window Coverings
  • Health Food
  • Hobby, Craft Stores

Please contact Homestead Mutual and/or your agent for more information on these programs.