Commercial Lines
Business Partners
![Business owner standing behind open sign](/Images/business2.jpg)
The Business Partners (BOP) program is intended for small to medium-sized retail and service risks. BOP policies provide many options for customization in order to meet a business's particular needs.
Commercial Package Policy
![Inside of an office](/Images/cequipment.jpg)
A Commercial Package Policy (CPP) can provide property, liability, tech-enhanced equipment breakdown, inland marine, and crime coverages for a variety of commercial classes of business.
The Commercial Package Policy program allows business owners to choose specific coverages needed under one policy.
Commercial Auto
![Electrician standing next to a work van](/Images/cauto.jpg)
RAM's Commercial Auto program offers policies for a variety of businesses including cabinet makers, plumbers, electricians, carpentry, catering, and more.
Workers Compensation
![Employee with broken arm signing paperwork](/Images/workcomp.jpg)
Work Comp provides coverage for employees as required by law. RAM Mutual has an established knowledge of workers' compensation insurance, providing coverage since 1974.
Commercial Liability
![Two people signing paperwork](/Images/cliability.jpg)
The Commercial Liability policy provides liability coverages such as premise operations liability, medical payments, fire damage legal liability, hired/non-owned auto, as well as many others.
Commercial Umbrella
![Man under an umbrella looking out at buildings](/Images/coumbrella.jpg)
Commercial Umbrella is designed to complement RAM's BOP and CPP policies. This coverage provides higher limit options.
Data Breach
![Lock resting on computer hardware](/Images/cdata.jpg)
Many business owners believe they will experience a data breach at some point. Normal, everday activities can increase that risk. Data breach protection and remediation services are key in helping a business recover from a breach event.
For more information, visit rammutual.breachresponse.com.
Commercial Cyber Liability
![Computer keyboad with red data protection key](/Images/cyberliability.jpg)
RAM's Commercial Cyber Liability coverage is another enhancement coverage designed to complement our BOP and CPP programs.
This important endorsement provides coverage for eligible expenses and exposures associated with a privacy breach incident and includes both proactive and reactive services to provide expert assistance if such an event occurs.
Learn more at rammutual.breachresponse.com.
Employment Practices Liability
![Legal professional signing paperwork](/Images/cepl.jpg)
Employment Practices Liability (EPL) can protect a business owner against claims alleging discrimination, wrongful termination, harassment, etc. This important coverage also includes third-party claims.
For more information, and to access EPL resources, visit rammutual.EmployerProtection.net.