Commercial

Protect your business in the event of property damage, liability claims, and more. Let one of our local Farmers Union agents review your commercial insurance needs and discuss options available to your business.

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Commercial Insurance

Local Support for Montana Business Since 1915

For over a century, Farmers Union Mutual Insurance Company (FUMICO) has supported the businesses that drive our local economy. From small "main street" shops to large-scale commercial operations, we understand the specific risks of doing business in the Big Sky Country. As a company founded and based right here in Montana, we offer a level of regional insight and accessibility that national carriers cannot match.

We build coverage on a foundation of local history, providing the stability and knowledge required to navigate Montana’s unique commercial landscape.

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Why Farmers Union Insurance

The FUMICO Difference: Local Perspective, Human Touch

We believe commercial insurance should be handled by people who understand your community.

  • In-House Underwriting: Every commercial policy is reviewed by our Montana-based team. This allows us to provide flexible, manual underwriting for unique business models that automated systems often reject.
  • Rural and Urban Experience: We provide coverage for businesses across the state, from downtown storefronts to rural commercial facilities that other carriers might overlook.
  • Local Claims Handling: If a loss occurs, you work with a claims team located right here in Montana. We handle every claim in-house to provide a straightforward and respectful process from start to finish.
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Optional endorsements for commercial insurance

Scalable Solutions for Every Operation

As your business grows and the industry landscape shifts, your insurance must adapt. We offer integrated policies that combine property and liability protections into a single, efficient package. Our team works to identify the specific exposures of your industry, creating a policy that fits your daily operations and long-term goals.

Our Commercial Package options include:

  • Property & Assets: Protection for your physical buildings, inventory, specialized equipment, and office furnishings.
  • General Liability: Robust defense against claims of bodily injury, property damage, or personal injury occurring on your premises.
  • Business Owner Packages (BOP): Streamlined coverage designed specifically for small to mid-sized businesses, combining essential protections into one policy.
  • Commercial Package Policies (CPP): Comprehensive, flexible solutions for larger or more complex risks that require specialized underwriting.
  • Commercial Auto: Reliable protection for the vehicles and trailers used in your business operations.

By consolidating these vital coverages, we simplify the management of your commercial risks. This unified approach prevents gaps in protection and offers a clear perspective on your business security. Our team focuses on aligning your policy with the specific needs of your location and industry, allowing you to concentrate on the growth and success of your company.

Protect Your Business Investment

Your business is the result of years of dedication. Partner with a company that has spent more than 110 years focused on the success and security of Montana’s business owners.

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