Businesses both small and mid-sized need Business Property and General Liability protection from risk. Cumberland Mutual is a regional carrier with over 180 years of history and strong long-term relationships focused solely on serving the needs of our policyholders and agents. We’re committed to longevity, durability and fiscal stability. As a regional mutual insurer, policyholders are members of our organization, not public shareholders. So we can resolve claims quickly and fairly to get businesses back in business.

Available in New Jersey, Pennsylvania, Delaware and Maryland.

Cumberland Mutual BOP coverage

• Building coverage
• Business personal property
• General liability
• Business income and extra expense
• Equipment breakdown coverage

Comprehensive insurance solutions for a variety of businesses:

• Apartments & Residential Condo Associations
• Artisan Contractors
• Offices
• Processing and Service
• Restaurants
• Retail
• Self-storage facilities

Unique coverages for specific businesses:

• Barber & Beauty Salon Professional
• Condominium Directors E&O
• Data Compromise
• Employment Practices Liability
• Equipment Breakdown
• Funeral Directors Professional
• Liquor Legal Liability
• Optical & Hearing Aid Professional
• Pharmacists Liability
• Printers E&O
• Veterinarians Professional

Cumberland Protection and Contractors Protection Endorsements complement Businessowners policy.

• Cumberland Protection Endorsement offers 3 levels of optional coverage enhancements.
• Contractors Protection Endorsement provides a comprehensive suite of enhanced coverages for Artisan Contractors.

Please contact your Independent Insurance Agent if you have any questions.
If you do not have an Independent Insurance Agent, use the agent locator tool below to find one in your area.