Running a business in Urbana means you’ve got real exposure — equipment, vehicles, employees, and customers on your property. We work with contractors, retailers, and light industrial shops across Champaign County.
A business owner policy isn’t a one-size-fits-all form. A plumbing contractor has different exposure than a retail shop or a light manufacturer. Ty Finkbine, our Commercial Lines Manager, spent a decade in commercial brokerage before coming back to Urbana. He’ll review your operation, find the gaps in your current coverage, and shop it across carriers who actually specialize in your industry.
From the foundation of a policy to the excess limits that protect everything you’ve built.
General LiabilityBodily injury and property damage on your premises or from your operations. The foundation of any commercial policy.
Commercial AutoVehicles owned or used by the business, including hired and non-owned auto exposure.
Workers’ CompensationRequired by Ohio law for most employers. Covers employee injuries on the job.
Business PropertyBuildings, equipment, inventory, and improvements at your location.
Business InterruptionIncome replacement when a covered loss forces you to close temporarily.
Professional Liability (E&O)Errors and omissions coverage for service-based businesses and consultants.
Surety BondsContractor license bonds, bid bonds, and performance bonds for regulated trades.
Commercial UmbrellaExcess liability above your GL and auto limits for catastrophic exposures.
The questions we hear most from Champaign County business owners.
If a vehicle is used primarily for business purposes, it typically needs commercial auto coverage. Personal auto policies usually exclude coverage for vehicles used in a trade, business, or profession. The line isn’t always obvious — we’ll help you sort it out.
A Business Owner’s Policy (BOP) bundles general liability and property coverage into one policy, often at a better rate than buying them separately. A standalone GL policy covers liability only. Not all businesses qualify for a BOP — eligibility depends on revenue, location, and industry.
Usually not automatically. Uninsured subcontractors may be treated as employees in Ohio, which can create unexpected liability. We’ll review your sub relationships and make sure you’re covered.
A surety bond guarantees to a client or government entity that you’ll perform a job as contracted. Many trades — electricians, plumbers, HVAC, general contractors — are required to be bonded to operate in Ohio. We write contractor license bonds and performance bonds.
It varies significantly by industry, revenue, payroll, and claims history. A sole proprietor contractor might pay $1,200–$3,000/year for GL. We’ll give you actual numbers after a 15-minute conversation — not a ballpark.
I use Sellman for my personal and commercial insurance for my plumbing company. Rob is always very prompt to get back to me on payments, bonds, and any general inquiries. I would highly recommend them to anybody.Brandon Filimon — Verified Google Review
A free 15-minute commercial review with someone who knows Champaign County — no scripts, no pressure.