Discounts | Business Owners Insurance | Shelter Insurance®


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Shelter offers several generous business owners insurance discounts. They may not be offered in all states, or may be offered under different terms.

Automatic Sprinkler Credit

Get a discount for each building or fire division that is fully protected by automatic sprinklers.

Construction Credit

If your structure is made of incombustible or fire resistant material, you may be eligible for a credit.

Condominium Credit

You may be eligible for a credit if the insured building is a condominium.

Heating System Discount

If a solid fuel heating device (wood, coal, etc.) isn't present, you can receive a discount. A conventional fireplace isn't considered a solid fuel heating device.

New Structure Discount

Structures under construction can receive a discount for one year. Structures completed and first occupied during the preceding calendar year are also eligible for a discount.

Improved Structure Discount

If you've made structural improvements during the last six calendar years, you may be eligible for a discount.

Protective Devices Credit

Get a discount for having the following devices on your property:

  • An approved alarm system
  • A fire or smoke alarm in all offices and business occupancies within a building
  • Dead-bolt locks on all exterior doors and all accessible doors and windows
  • One fire extinguisher on each level of your building

Additional Discounts

Additional discounts may be available. Talk to an agent for details.

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.