LinesBOP, GL, WC, Commercial auto, Commercial property, Cyber, Umbrella, Home, Auto, Personal umbrella
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | Small business contractor classes include interior carpentry, carpet cleaning, concrete foundations, drywall, in-building electrical, fencing, floor covering, gutters, HVAC, janitorial, landscaping and lawn care, masonry, painting, residential plumbing, siding, and interior tile and stone work. Add-ons include contractors tools and equipment, installation and employee tools (Small Business Insurance page, Oct 2026). |
| Retail | BOP | Most states | Retail and mercantile shops include auto parts, beauty and barber supplies, clothing, coffee shops (no cooking), millwork sales with installation, florists, furniture and gift shops. Retail excludes liquor, convenience and grocery stores (Small Business Insurance page, Oct 2026). |
| Offices | BOP | Most states | Professional offices include advertising agencies, accounting and tax preparation, engineers and architects, financial planners, insurance agents, lawyers and real estate offices. Cyber coverage is included on all eligible BOPs and commercial package policies (Small Business Insurance and Business Cyber pages, Oct 2026). |
| Healthcare | BOP | Most states | Health offices on the small business list include chiropractors, dentists, general practice, health practitioners, optometrists, psychologists and veterinarians (Small Business Insurance page, Oct 2026). |
| Professional services | BOP | Most states | Service businesses include barber and beauty shops, funeral homes, locksmiths, nail salons, pet grooming (no boarding), photographers and tailors (Small Business Insurance page, Oct 2026). |
| Real estate | BOP | Most states | Grange insures commercial building owners who lease office, retail and service space (Small Business Insurance page, Oct 2026). |
| Homeowners | Home | GA, IL, IN, IA, KY, MN, OH, PA, TN, VA, WI | Homeowners coverage, written with affiliate Integrity Insurance, includes optional underground service line, equipment breakdown, concealed water damage, matching materials for roofs and siding, home replacement cost and personal cyber. Condo and renters policies are also written (Home Insurance and Home Insurance Coverages pages, Oct 2026). |
| Personal auto | Auto | GA, IL, IN, IA, KY, MN, OH, PA, TN, VA, WI | Auto, written with affiliate Integrity Insurance, offers new car replacement after a covered total loss, roadside assistance, gap coverage and uninsured/underinsured motorist. Multi-policy discounts apply when bundled with a home, condo or renters policy (Auto Insurance page, Oct 2026). |
| Homeowners | Personal umbrella | Most states | To apply for a personal umbrella, the Grange auto must carry at least $250K/$500K bodily injury and $100K property damage, and the home at least $300K personal liability. Some primary policies may need higher minimums (Personal Umbrella Insurance page, Oct 2026). |
How to quote Grange Insurance
→Carrier portal. Quote directly in the Grange Insurance agent portal.
Sources
- Grange Insurance: Small Business Insurance (classes served and exclusions)
- Grange Insurance: Business Insurance (commercial lines)
- Grange Insurance: Business Cyber Insurance
- Grange Insurance: Workers' Compensation
- Grange Insurance: Home Insurance (state list)
- Grange Insurance: Home Insurance Coverages
- Grange Insurance: Auto Insurance (state list)
- Grange Insurance: Personal Umbrella Insurance (underlying limits)
- Grange Insurance: About (13 states, independent agents only)
- Coverager: Grange Insurance offers online view of commercial risk appetite (Grange Agent portal, Ask Kodiak)