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 Owners Program

This program is designed for the owner or tenant of small to medium sized businesses and offers coverage for Buildings, Business Personal Property, Loss of Income, Liability and Medical Payments.

We can insure a broad range of business classifications. Some of the classes available include:

  • Apartments (5 to 60 units)
  • Offices
  • Churches
  • Floor Covering Stores
  • Funeral Directors
  • Pizza Shops
  • Restaurants
  • Self Storage Facilities
  • Convenient Stores with and without Gas
  • Hotels / Motels
  • Antique Stores
  • Bakeries
  • Barber / Beauty Shops
  • Clubs with alcohol service
  • Delicatessens
  • Bars & Taverns
  • Banquet Halls
  • Bed & Breakfast
  • Student Housing
  • Seasonal Risks (open at least 6 months)

Important optional endorsements that are available include:

  • Added Water Damages
  • Accounts Receivable
  • Building Inflation Protection
  • Burglary & Robbery Coverage
  • Cyber Liability
  • Debris Removal
  • Earthquake Coverage
  • Employee Dishonesty
  • Equipment Breakdown
  • Exterior Signs
  • Liquor Liability for Certain Classes
  • Money & Securities
  • Ordinance and Law Coverage
  • Tenants Improvements and Betterments
  • Valuable Papers & Records

We offer Standard and Deluxe policy options. The Deluxe option is the most utilized as it packages some frequently requested and desired coverage into the base policy.  Liability limits up to $2,000,000 per occurrence / $4,000,000 aggregate are available.  Contact your agent for more details.