Our Products Current: Commercial Lines Commercial Lines Businesses use Cumberland Mutual's commercial products to insure their facilities, cover special risks and guard against the damage that an interruption in business operations can cause. Restaurants and Artisan contractors are among the many types of businesses that rely on Cumberland. Select one of Cumberland’s major lines of commercial insurance products below for a description of what we offer: Commercial Auto Provides coverage for vehicles owned by your business for damages and liabilities. Learn more > Businessowners Provides coverage for small to medium size businesses for Property, Liability, Loss of Income and other optional coverages. Learn more > Data Compromise Covers the expense to respond to a data breach and includes services to assist a business' clients, employees and others affected by the breach. Learn more > Employment Practices Liability Protects small business employers from claims brought by employees alleging discrimination, wrongful termination, retaliation or sexual harassment. Learn more > Equipment Breakdown Equipment Breakdown coverage responds to the cost to repair or replace mechanical, electrical or pressure systems equipment that suffers a breakdown. Learn more > Habitational Owning and managing multi-family apartment complexes, residential condominium associations, and rental properties requires the right kind of habitational insurance from the right kind of company. Learn more > Liability Provides coverage for your business against claims from others for bodily injury and property damage. Learn more > Property Provides coverage for your business building and/or contents from loss caused by covered perils. Learn more > Artisan Contractors Provides small artisan contractors with coverage for business liability and optional property coverage including buildings, contents, tools and equipment. Learn more > Workers’ Compensation Provides statutory benefits for your employees who are injured on the job. Also provides Employers Liability Coverage. Learn more > Umbrella Provides increased limits of liability above your existing liability policies. Learn more > Follow us Agent Login Terms & Conditions Privacy Policy Contact Us: 800 232-6992 Copyright © 2021 Cumberland Mutual Fire Insurance Company. All rights reserved.