Business Owner Policy

Protect your small business

A combination of property and liability insurance, our Business Owners Policy (BOP) provides broad coverage without the complexity of a commercial package policy.

Our Business Owners Policy includes Building Coverage (replacement cost or actual cash value), Business Liability, Business Personal Property, and Business Income & Extra Expense. Additional coverage options, including Commercial Auto, are available.

For current members

  • Mutual of Enumclaw Wildfire Program: We have partnered with Wildfire Defense Systems, Inc. (“WDS”) to help protect the property of our eligible home, business, and farm policyholder/members if a wildfire event occurs in their area. Learn more here
  • Being a Mutual of Enumclaw member has its perks. As a valued member, you can save with daily deals at nearby restaurants and retailers, enjoy thousands of discounts across the United States, and get up to 40% off at over 300 popular theme parks and attractions. Start saving today!

Your local independent agent

A thoughtful independent agent can help determine the right combination of insurance products for you and your business. They can explain coverage options and help identify any available discounts. Find an agent near you.

Please be sure and talk with your agent about:
  • The type of business you operate & number of employees you have
  • Your corporate structure (sole proprietor, LLC, partnership, corporation, etc.)
  • Your annual gross sales or income
  • Whether you rent, own, or lease any property
  • Outside partners such as franchisors
Find a local independent agent
The information we share on our site is intended to serve as a general overview. Please refer to your policy or contact your local independent agent for specific coverage details.

About the Mutual of Enumclaw Perks program: 
Participation is limited to Mutual of Enumclaw members with policies in Arizona, Idaho, Oregon, and Utah only. Participation in the program is voluntary and at no additional charge. Mutual of Enumclaw will not track how you use the site (i.e. what goods and services you purchase). We may occasionally review usage of the overall program to help inform future improvements or new services we may be able to provide. Mutual of Enumclaw Perks is a rewards program administered by Abenity, Inc. and is subject to rules, regulations, and customer qualifications. Please visit for details.