Business Insurance – Ray Insurance Agency
Protecting the Businesses That Power Mount Sterling
Running a business takes vision, grit, and no shortage of moving parts. At Ray Insurance Agency, we help local business owners in Mount Sterling and across West Central Illinois protect what they’ve built — with tailored insurance policies that cover the real risks you face every day.
Whether you’re running a family-owned farm supply shop, a growing service business, or a commercial fleet, we take the time to understand how you operate and what coverage makes the most sense. No corporate jargon. No over-selling. Just clear, honest protection — delivered by a local team that works as hard as you do.
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Local Coverage from People Who Understand Your needs
What Does Our Business Insurance Cover?
Every business is different — and your insurance should reflect that. At Ray Insurance Agency, we build plans to protect your business property, income, people, and reputation. Depending on your industry, your business insurance plan may include:
General Liability Insurance
Protection against claims of bodily injury, property damage, and legal defense.
Professional Liability (E&O)
Covers service-based businesses against claims tied to errors, omissions, or missed deliverables.
Commercial Property Insurance
Covers your building, inventory, tools, equipment, and signage from fire, theft, and more.
Product Liability Insurance
Protection if a product you manufacture or sell causes harm or injury.
Business Owner’s Policy (BOP)
A bundled package that combines property and liability into one simple, cost-effective policy.
We’ll walk through your business operations and help you create a plan that reflects your goals, risks, and budget.
Frequently Asked Questions
Business insurance can feel overwhelming — especially if you're just starting out or making changes to your coverage. Below are some of the most common questions we hear from business owners in Mount Sterling and the surrounding areas. If you have others, just give us a call. We’ll help you find answers that make sense for your operation.
What type of insurance do I need for my business?
It depends on what you do, where you operate, and how much risk you face. We’ll help you evaluate your needs and recommend the right mix of coverage.
Is a Business Owner’s Policy (BOP) right for me?
A BOP is often a smart, simplified choice for small and midsize businesses. It combines general liability and property into one affordable package.
What’s not covered by business insurance?
Standard policies don’t cover everything. For example, flood damage, cyber liability, and certain equipment may require separate policies. We’ll help you spot any gaps.
How do I get started?
Call us at {{content_library.global.phone.phone}} and we’ll set up a time to learn about your business and walk through your options — no pressure, no runaround.