Property & Liability (PACK)

Wayne Insurance Group offers a Commercial Package program that can be customized to meet the individual needs of today's small and medium-sized businesses. 


The Commercial Pack can cover damage to your facility and its contents, including products and machinery. Coverage can also extend to additional structures on the premises.  Depending on the type of coverage you choose, the policy can provide protection against: 

  • Most common perils including fire, lightning, vandalism, windstorm or hail, explosion, smoke, aircraft, sinkhole collapse, and riot  
  • Falling objects 
  • Weight of ice, snow and sleet  
  • Freezing or water overflow 
  • Glass breakage 
  • Collapse
  • Transit extension (for personal property in transit) 
  • Water damage extension (repairs to leaking system or appliance) 
  • Theft

Optional Property Coverages

Your local Wayne Insurance Group agent can discuss a range of optional property coverages available, including loss of rent and loss of use; burglary and robbery coverage; debris removal; peak season coverage and more.


The Commercial Pack can also provide coverage for bodily injury or property damage to others, along with personal liability protection and medical payments to others.

Optional liability coverages include premises liability, premises operations (covers your premises and your off-site operations), products and completed work, and fire legal liability.

Contact your Wayne Insurance Group agent for more details on the many coverage options available for your business.  

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Insurance Group agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.

Wayne Insurance Group

For more than a century, the Wayne Insurance Group companies have delivered financial security and peace of mind for families, farms and businesses. As mutual insurance companies, we exist to serve the insurance needs of our policyholders. We have partnered with a network of independent agents to offer a full line of insurance programs backed by prompt, fair claims service and support.

Contact Us

Wayne Insurance Group
3873 Cleveland Road
Wooster, Ohio 44691

Tel: 330-345-8100 | Tol: 800-222-3873

Wayne Mutual Insurance Company

Founded in 1910, Wayne Mutual Insurance Company provides a wide range of property and casualty insurance programs for automobiles, homes, farms, investment properties, and businesses.

Washington Mutual Insurance Association

Since 1878, Washington Mutual Insurance Association has provided protection for homes, farms and personal property. Our products can be tailored to meet the specific needs of our policyholders.