Commercial Lines

Commercial Lines

Businesses use Cumberland Mutual's commercial products to insure their facilities, cover special risks and guard against the damage that an interruption in business operations can cause. Restaurants and Artisan contractors are among the many types of businesses that rely on Cumberland. Select one of Cumberland’s major lines of commercial insurance products below for a description of what we offer:

Commercial auto icon

Commercial Auto

Provides coverage for vehicles owned by your business for damages and liabilities.

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Businessowners icon


Provides coverage for small to medium size businesses for Property, Liability, Loss of Income and other optional coverages.

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Data compromise icon

Data Compromise

Covers the expense to respond to a data breach and includes services to assist a business' clients, employees and others affected by the breach.

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Employment practices icon

Employment Practices Liability

Protects small business employers from claims brought by employees alleging discrimination, wrongful termination, retaliation or sexual harassment.

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Equipment Breakdown

Equipment Breakdown coverage responds to the cost to repair or replace mechanical, electrical or pressure systems equipment that suffers a breakdown.

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Habitational  icon


Owning and managing multi-family apartment complexes, residential condominium associations, and rental properties requires the right kind of habitational insurance from the right kind of company.

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Liability icon


Provides coverage for your business against claims from others for bodily injury and property damage.

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Property icon


Provides coverage for your business building and/or contents from loss caused by covered perils.

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Artisan contractors icon

Artisan Contractors

Provides small artisan contractors with coverage for business liability and optional property coverage including buildings, contents, tools and equipment.

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Workers compensation icon

Workers’ Compensation

Provides statutory benefits for your employees who are injured on the job. Also provides Employers Liability Coverage.

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Umbrella icon


Provides increased limits of liability above your existing liability policies.

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