The Strength of Our Past
is the
Foundation of Our Future

Erie and Niagara Insurance
is a mutual insurance company.

We work for our policyholders,
 not shareholders



A.M. Best Rated
Since 1988

Financial Size Category VIII

Business Insurance

Businesses use Erie and Niagara’s commercial products to insure their buildings, business personal property and liability exposures.  We insure a wide variety of risks including apartments, restaurants, clubs, offices, hotels, motels, self-storage buildings, barber / beauty shops and a wide array of retail and service type operations.  Following are descriptions of the major lines of commercial insurance we offer.

Offers the small residential trade contractor coverage for buildings, business personal property, loss of income and liability.  Additional property coverage endorsements are available. Firms with 5 or fewer employees in one of our eligible classifications may be considered. Liability limits up to $1 million are available.

Provides coverage for small to medium size businesses for building, business personal property, liability, loss of income, Equipment Breakdown and other optional coverages. We offer standard and deluxe policy options that can be tailored to meet your specific needs. Liability limits up to $2 million per occurrence/ $4 million aggregate are available.

Special Multi-Peril

If your business exposure is not eligible for our Business Owners Program because it is either too big or not one of the classifications available, we may be able to offer an alternative in this program. Coverage is available for your building, business personal property, liability and loss of income, Equipment Breakdown and other optional coverages. We can also consider vacant, unoccupied and for sale under our Commercial Fire program.

Inland Marine

Our Inland Marine product is available for a wide variety of classes including but not limited to:  farm equipment, livestock (dairy & beef), backhoes, contractor’s equipment, crawlers, dozers, landscape equipment, mechanics tools, computers and more.

This is Erie and Niagara’s answer to the small incidental business operated from the insured’s home.   The incidental business cannot be your primary occupation.  Coverage is provided for the individual and spouse. Contents and liability are covered both on and off premises.

Coverage is offered through our affiliate, Cherry Valley Cooperative Insurance Company with limits available up to $5 Million.