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Go “Prime Time” Florida and Save with Auto-Owners’ Prime Business Insurance Policy

By April 20, 2023No Comments

The Auto-Owners Prime Business Insurance Policy is designed for superior, well managed Florida small businesses. AO Prime Business Insurance is extremely competitive. To qualify, you must combine your General Liability coverage with either Commercial Property coverage or Commercial Equipment (Inland Marine) coverage. Crime coverage can also be added.

To be eligible for the AO Prime Business Insurance Policy, a business:

  • must have three years continuous insurance coverage
  • be able to provide three years of loss runs (your prior claims report)
  • must have all the business operations covered under the AO Prime Business policy

If you prior Florida business coverage is “non-standard”, but you still have 3 years of continuous insurance coverage and can provide your loss runs, Auto-Owners can still review your business for AO Prime Business Insurance.

Not only do you receive a lower rate, you are still eligible for multi-policy discounts!

  • 5% Discount, for combining Commercial Auto
  • 2% Discount, for combining Commercial Umbrella
  • 2% Discount, for combining Life Insurance (even key-person life insurance)
  • 2% Discount, for combining your Personal Auto or other personal lines coverage

Which Florida businesses are getting their coverage with Auto-Owners Prime Business?


  • Attorneys and Lawyers
  • Audiologists
  • Chiropractors
  • Counseling Services
  • Dental Offices
  • Engineers and Architects
  • Graphic Design Services
  • Investment and Financial Planners
  • Medical Offices
  • Optometrist Offices
  • Podiatrist Offices
  • Real Estate Appraisers
  • Real Estate Offices
  • Tax Preparers 
  • Veterinary Offices
  • Wedding Consultants


  • Appliance Stores
  • Art Galleries
  • Art and Craft Stores
  • Bakeries
  • Books and Magazine Stores
  • Bridal Shops
  • Clothing Stores
  • Coffee Shops
  • Doughnut Shops
  • Floor Covering Stores
  • Florists
  • Furniture Stores
  • Gift Shops
  • Hardware Stores
  • Hearing Aid Stores
  • Ice Cream Stores
  • Janitorial Supplies – Distributors
  • Jewelry Stores
  • Juice Bars
  • Musical Instrument Stores
  • Nursery and Garden Centers
  • Paint and Wallpaper Stores
  • Pharmacies
  • Swimming Pool Supplies Stores
  • Variety Stores


  • Barber Shops
  • Beauty Parlors and Hairstyling Salons
  • Campgrounds
  • Caterers
  • Civic and Social Organizations
  • Computer Service or Repair
  • Dry Cleaning and Laundry Stores
  • Funeral Homes and Chapels
  • Kennels for Boarding
  • Laundry Coin Operated
  • Nail Salons
  • Pet Grooming
  • Photography Studios
  • Piano Tuning


  • Deli, Pizza, Bakery
  • Doughnut Shops
  • Family Restaurants
  • Fine Dining Restaurants

For more information, or to get an Auto-Owners Prime Business insurance quote, call the Fuller Insurance Team at 850-622-5283 – our office is in beautiful Santa Rosa Beach, Florida.

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