Protecting Your Business and Finances
Protecting your business with a customized Business Insurance policy is vital to any thriving enterprise. Whether you run a home-based business or employ hundreds of workers, you need to safeguard your professional and personal assets from losses with reliable insurance.
Standard Coverage
Business Insurance guards against risks ranging from company-car accidents to legal claims. There are basic coverages that most companies benefit from like General Liability Insurance or a Business Owners Policy (BOP).
Enhanced Business Insurance Coverage
We understand business and have are experts at identifying potential areas of liability for your company. We can help you get the proper coverage through special insurance policies and endorsements so your business is adequately protected.
Types of Business Insurance
Business Insurance transfers the financial consequences of a covered incident to the insurance carrier. It minimizes financial risks associated with unexpected events that could lead to devastating losses. It is important to know that there are a variety of business insurance policies one could purchase and each offers a unique type of protection. Here are some of the types of Business Insurance we can help you purchase.
Business Auto Insurance provides coverage that a standard Personal Auto policy cannot. Even other drivers and vehicles not owned by your business may be covered in work-related incidents. Read more details.
One convenient package containing various insurance products that protect businesses from property and liability risks. This package policy is designed for small and medium-sized companies and helps keep the lights on in the case of business interruption or other covered losses. Read more details.
Commercial Property Insurance coverages protect businesses against financial losses due to fire, infrastructure issues, natural disasters, theft, vandalism, and more. For landlords, Commercial Property Insurance may offer broader protection than endorsements on a Homeowners' policy, whether it’s a short-term rental or property you lease. Read more details.
Trucking businesses must carry Tractor Truck General Liability. Most businesses tend to carry more comprehensive coverages: Non-owned trailer, Cargo, Rental Reimbursement with Downtime Protection, and more. Whether you have an ice cream truck, cargo van, or a semi, we’ve got the right coverage for you. Read more details.
A Commercial Umbrella policy protects your business financially from damages that exceed your primary coverage—usually General Liability, Auto Liability and Employers Liability policies. This policy is different than a Personal Umbrella policy, which will not cover your business, LLC, etc. Read more details.
A Contractor Bond protects the customer in case the contractor or worker fails to complete the job adequately, fails to cover permits, or fails to pay subcontractors as agreed. Read more details.
D&O protects key team members' personal assets and their spouses if they are personally sued for actual or alleged wrongful acts in management. This coverage is useful to businesses, non-profits, and other organizations. Read more details.
EPLI provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age, disability, etc.), wrongful termination, harassment and other employment-related issues, such as failure to promote. Read more details.
Protects the business from financial loss due to bodily injury and property damage, lawsuits, medical, personal injury, contract liability, and more. Read more details.
Inland Marine Insurance protects the business financially from a covered loss of business property such as tools, equipment, and materials while being transported from one job site to another. Read more details.
Workers’ Compensation Insurance protects businesses and employees when a worker becomes sick or injured from an employment-related cause. It provides assistance in covering medical expenses and lost wages for affected employees. Read more details.
Why You Should Partner with AIS
Whether your buy a policy online or speak with our specialists, AIS will go above and beyond to help you meet your Business Insurance needs. This is valuable to business owners as we continue to look for the best rates and coverage for your business as it evolves, grows, and adapts. AIS’s Business Insurance department is made of a group of experts—true specialists that listen to your needs and have a deep understanding of your potential areas of liability.
If you own or manage a business, you will need the correct Business Insurance coverage to safeguard your business and livelihood. Receive your quote today and start taking advantage of the protection Business Insurance policies offer. Remember to bundle when possible for a multi-policy discount.
Related Business Insurance Articles
5 Steps to Buying Business Insurance
Getting your business insured is essential for many reasons. There are some important steps to buying Business Insurance so that your business is adequately insured.
What Types of Business Insurance Are There?
You’re likely wondering about the types of business insurance available. Knowing the basics will help you build a coverage package that protects your business and your customers.