Property and liability protection for small business owners

Provide stable, dependable coverage to your customers with small businesses. SageSure offers competitive businessowners policy options from SafePort Insurance Company, rated A- (Excellent) by AM Best, and SureChoice Reciprocal Exchange (SURE), rated A, Exceptional, by Demotech.

Property and Liability Protection

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Product Highlights

With coastal capacity, a broad appetite for risk and flexible payment options, the businessowners policy offers comprehensive coverage at a competitive price on our easy-to-use quoting platform.

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Competitive Pricing

Using a modern, granular rating plan we are able to appropriately price risks based on the loss potential of major perils. Sales and TIV limitations apply.

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Coastal Capacity

We have the ability to write within 1/2 of a mile from a primary shoreline, as defined in our models, in most coastal areas; subject to underwriting guidelines.

Want to write SageSure commercial products?


To learn more about a commercial product available in your state, contact your territory sales manager.

We like to keep it simple.


Comprehensive coverage, competitively priced

Provides complete, dependable coverages for your customers at affordable prices.


Easy-to-use quoting interface

Our intuitive Agent Portal provides quote-to-policy issuance in under 5 minutes for businesses with fewer than three locations.


Easy, flexible payment options

Semi-annual, quarterly and monthly installment plans are available, as well as a discount for full payment.

Agent Portal Screen

Businessowners Policy Class List – Not all classifications are available in all states.


  • Accounting Services (including CPAs)
  • Bookkeeping Services
  • Collection Agencies
  • Credit Reporting Agencies
  • Detective or Investigative Agencies
  • Employment Agencies
  • Engineers or Architects – Consulting (including Surveying Services)
  • Health Maintenance Organizations
  • Inspection and Appraisal Companies
  • Insurance Agents
  • Labor Union
  • Lawyers
  • Marine Appraisers or Surveyors
  • Medical Offices
  • Payroll Accounting Services
  • Political Campaign Headquarters or Offices
  • Real Estate Agents
  • Ticket Agencies
  • Title Agents
  • Veterinary Office


  • Air Conditioning, Heating or Combined Air Conditioning and Heating Equipment
  • Appliances
  • Automobile Parts and Supplies
  • Bakeries – With or Without Baking
  • Barber or Beauty Shop Supplies
  • Bookbinding and Printing Supplies
  • Clothing or Wearing Apparel
  • Collectibles and Memorabilia
  • Equipment, Fixtures or Supplies Distributors – Office, Store, or Hospitality Commercial Equipment
  • Fabric
  • Floor Covering
  • Florists
  • Fruit or Vegetable
  • Gardening and Light Farming Supply
  • Grocery – With no Gasoline Sales – With or Without Restaurants
  • Hardware and Tools
  • Hearing Aid
  • Hobby, Craft or Artists’ Supplies
  • Janitorial Supplies
  • Jewelry Including Repair
  • Meat, Fish, Poultry or Seafood
  • Optical Goods
  • Plumbing Supplies and Fixtures
  • Refrigeration Equipment
  • Stationery or Paper Products


  • Army and Navy Stores
  • Beverage Stores – Liquor and Wine
  • Bicycle Shops
  • Boat Dealers
  • Books and Magazines Stores – New and Used
  • Building Materials Dealers – Contractors Equipment Dealers
  • Camera and Photographic Equipment
  • Candy or Confectionary Stores Including Any Manufacturing
  • Catalog or Premium Coupon Redemption Stores
  • Ceramic Stores
  • Computer Stores
  • Convenience Food Stores With or Without Restaurants and No Gasoline Sales
  • Copying and Duplicating Stores
  • Cosmetic, Hair or Skin Preparation Stores
  • Dairy Products or Butter and Egg Stores
  • Department Stores
  • Drugstores
  • Dry Goods Dealers including Yarn and Piece Goods
  • Electrical Lighting Stores
  • Electronics Stores
  • Fence Dealers
  • Furniture Stores
  • Gift Shops
  • Health or Natural Food Stores
  • Home Furnishings Stores
  • Home Improvement Stores
  • Leather Products or Hide Stores
  • Luggage Goods Stores
  • Machinery or Equipment Dealers – Farm Type Only
  • Mailbox or Packaging Stores
  • Mail Order Houses
  • Marble Products – Retail
  • Medical, Hospital and Surgical Supply – Retail
  • Metal Dealers
  • Music Stores – Retail
  • Musical Instrument Stores – Retail
  • Newsstands
  • Paint, Wallpaper or Wallcovering Stores
  • Painting, Picture or Frame Stores
  • Paper & Paper Products, Rag/Rubber Stock Dealers – Secondhand
  • Pet Stores
  • Powered Equipment Dealers
  • Precision and Scientific Tools and Instruments Stores
  • Sewing Machine Stores
  • Ship Chandler Stores
  • Shoe Stores
  • Sporting Goods and Athletic Apparel Stores
  • Sporting Goods or Athletic Equipment Stores
  • Supermarkets – Without Gasoline Sales
  • Swimming Pools
  • Tire Dealers
  • Toy Stores
  • Trophy Stores
  • Variety Stores
  • Video Stores – Sales and Rental
  • Wood Products


  • Bistros, Brasseries and Cafes With or Without Alcohol Sales (Including BYOA)
  • Coffee Bars or Shops
  • Concession Stands
  • Delicatessens
  • Diners With or Without Alcohol Sales (Including BYOA)
  • Donut Shops
  • Drive-ins or Service in Car
  • Drug Stores with Restaurants
  • Family-style Restaurants – With or Without Alcohol Sales (Including BYOA)
  • Fine Dining Restaurants – With or Without Alcohol Sales (Including BYOA)
  • Hamburger or Malt Shops
  • Hot Dog Shops
  • Ice Cream and Yogurt Stores
  • Oriental Style
  • Other Ethnic Style
  • Pizza Shops
  • Roast Beef
  • Salad Bars
  • Sandwich Shops
  • Seafood
  • Snack Bars
  • Take Out Only Restaurants

Service & Processing

  • Advertising and Related Services
  • Art Galleries
  • Auctioneers – Off-premises
  • Barber Shops
  • Beauty Parlors and Hair Styling Salons
  • Dental Laboratories
  • Engraving
  • Funeral Homes or Chapels
  • Interior Decorators
  • Jewelry – Repair
  • Laundromat (Self-service)
  • Laundry and Dry Cleaning Stores Including Receiving Stations
  • Lithographing
  • Locksmiths
  • Mailing or Addressing Companies
  • Manufacturers’ Representatives
  • Photographers
  • Printing
  • Self-storage Facilities
  • Shoe Repair
  • Tailoring or Dressmaking Establishments
  • Television or Radio Receiving Set Installation or Repair

Habitational & Real Estate

  • Apartment Buildings – With or Without Office or Mercantile Occupancy
  • Commercial Condominiums (Association Risk Only)
  • Lessor’s Risk Only With No More Than 10% Ineligible Occupancies
  • Office Condominium (Association Risk Only)
  • Residential Condominium (Association Risk Only)
  • Townhouses or Similar Associations – With or Without Mercantile or Office

To see what SageSure has to offer in your market, select your state: