Protecting Your Business With The Right Insurance
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 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. Below are some of the types of Business Insurance we can help you purchase.
Business/Commercial Auto Insurance
This type of policy is needed to cover vehicles used as part of your business operations. It helps cover injuries and damages for situations not covered by a personal auto insurance policy.
Business Owners Policy (BOP)
A bundle of three different types of coverages designed for small businesses. A BOP includes general liability insurance, commercial property insurance, and business income insurance.
Commercial Property Insurance
Commercial property insurance is essential for any business with a physical location. It can help protect your physical assets (building, inventory, etc.) from accidental damage or vandalism.
Commercial Umbrella Insurance
Commercial umbrella insurance helps safeguard your business from significant financial losses by covering expenses that exceed the limits of your primary policies offering you added security.
Contractor's Bond
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.
Directors & Officers Insurance
D&O protects key team members' personal assets if they are personally sued for actual or alleged wrongful acts in management. This coverage is useful to businesses, non-profits, and other organizations.
Employment Practices Liability Insurance
EPLI protects employers against employee claims alleging discrimination, wrongful termination, harassment, and other employment-related issues, such as failure to promote.
General Liability Insurance
One of the most fundamental coverage for your business, this type of insurance protects your business from lawsuits against bodily injury, property damage, or advertising injury.
Inland Marine Insurance
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.
Workers' Compensation
This policy is required in almost every state for businesses with employees. It provides benefits for an employee’s lost wages, medical expenses, and more as a result of a work-related illness or injury.
Meet Our Business Insurance Partners
Finding the right business insurance company is key to protecting your assets. At AIS Insurance, we partner with over 20 reputable insurance carriers. This extensive network allows us to offer our clients a diverse selection of prime insurance coverage tailored to your needs.
Whether you need general liability, commercial auto, or workers' compensation insurance, our vast network of carriers ensures that you have access to the best coverage options available in the market. Take a look at our partners – some of them you may recognize, and let us help you navigate the world of business insurance, so you can focus on what matters most.
Why You Should Partner with AIS
Whether you need a business insurance policy or insurance guidance, our team of experts will go above and beyond to help you. Our Business Insurance department is made up of true specialists that have a deep understanding of asset protection and is trained to find the best rates and coverage for your business as it evolves, grows, and adapts.
Choosing an insurance policy for your business can be more complicated than buying a personal policy. See how much money we can help you save while providing the best coverage for your Business Insurance needs.
