Business Insurance for Indiana Companies & Multi-State Growth
Insurance Solutions for Your Business
The Mitchell Agency provides commercial insurance in Lafayette, IN for small businesses, growing firms, and agricultural operations across Indiana and throughout the U.S. Our advisors compare multiple carriers to align price with protection, then coordinate your program so certificates of insurance, renewals, and claims stay simple—whether you’re on Main Street in Lafayette, near Purdue in West Lafayette, operating along State Road 26, or expanding into new markets statewide and beyond.
General Liability Insurance addresses third-party injuries, property damage, and personal/advertising injury—the everyday exposures facing retailers, contractors, landlords, and professional offices across Lafayette, West Lafayette, and throughout Indiana. We’ll align your policy with real-world requirements by recommending appropriate limits, adding named or blanket additional insureds, and tailoring waiver of subrogation/primary–noncontributory language to match your landlord, vendor, or client contracts—whether you’re operating locally or doing business nationwide.
A Business Owners Policy (BOP) bundles general liability with commercial property to protect many main-street and professional operations—boutiques and cafés, medical and professional offices, studios, and service contractors across Tippecanoe County, greater Indiana, and multi-location businesses with regional or national footprints. We can round out your program with business income/interruption, equipment breakdown, cyber & data compromise, and optional endorsements like utility services, ordinance or law, and crime—so your coverage matches how you actually operate.
Workers’ Compensation Insurance covers employee medical care, wage replacement, and employer liability for job-related injuries or illness—and it’s required for most Indiana employers. The Mitchell Agency helps you stay compliant and cost-effective by aligning class codes, payroll estimates, and experience mods, then supporting audits, claims, and return-to-work planning for crews on US-52, office teams near Purdue, and multi-site operations across Indiana (including companies with out-of-state or traveling payrolls).
Professional Liability Insurance (E&O) protects your business when a client alleges an error, omission, or negligent advice—critical for consultants, tech firms, healthcare providers, accountants, architects, and other service professionals in Greater Lafayette, across Indiana, and for multi-state engagements. The Mitchell Agency aligns coverage with how you actually work, addressing claims-made forms, retroactive dates, contract-required limits, and additional insured/waiver language so your policy tracks cleanly with proposals, SOWs, and renewals—whether your clients are on Main Street, in Indianapolis, or nationwide.
From Main Street to Enterprise - Industries We Serve
Whether you run a crew, a clinic, a storefront, or a farm, The Mitchell Agency assembles coverage that passes lease reviews, satisfies lenders, and checks every vendor box. Walk us through your contracts and we’ll tailor protections that work together instead of doubling up.
Answers to Common Business Questions
What insurance does a new small business typically need?
Many start with General Liability and a Business Owners Policy if they have property like inventory or equipment. Workers' comp, commercial auto, or professional liability may be added based on staff, vehicles, or services.
Is a BOP cheaper than buying policies separately?
A BOP often packages property and liability at favorable pricing for qualifying businesses. It also simplifies billing and renewals while allowing add-on endorsements as you grow.
When is workers' comp required?
Most employers with employees must carry workers' compensation under law, with limited exceptions. We'll confirm your obligations and help you set up accurate payroll reporting.
Who needs Professional Liability Insurance?
Any business that gives advice or designs solutions-consultants, IT firms, healthcare providers, accountants, and more-should consider E&O. It helps with defense costs and covered settlements if a client alleges an error or omission.
