About Me
I’ve been in the insurance industry for over 24 years. My commercial experience began in 1996 when I helped my parents start an auto detailing business. Since then, I’ve been exposed to a wide range of businesses owned by close friends. This is valuable for my clients because my experience and knowledge in the industry showcase that I have a greater sense of urgency and can spot any exposure early on for my clients.
Ask Me About
Business Auto Insurance provides coverage that a standard Personal Auto policy cannot. If your business uses vehicles to operate, such as visiting job sites or transporting clients or materials, you likely need Commercial Auto Insurance to cover your vehicles and employees.
A Business Owner's Policy is one convenient package that combines commercial property insurance, general liability insurance, and business income insurance. You can add additional coverages or bundle other types of insurance policies to your BOP.
Commercial Property Insurance coverages protect businesses against financial losses due to fire, infrastructure issues, natural disasters, theft, vandalism, and more.
General Liability Insurance protects contractors and small-business owners against claims of bodily injury claims, medical costs, and property damage.
Workers’ Compensation Insurance protects businesses and employees when a worker becomes sick or injured from an employment-related cause.
Here are additional commercial insurance coverages to consider:
Earn With AIS Referral Rewards
Friends help friends save money. But why not earn a little extra money while doing it?
We'll send you a $100 e-gift card for each friend or family that gets a business insurance quote from us. It's that easy and referral rewards add up quickly! So, start telling your friends and family about AIS!
We offer gift cards from:
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Frequently Asked Questions
Let's start with the basics. Most commercial insurance quotes require the following information:
- Business name and location
- Owner information and experience
- Details of business operations (industry, entity, FEIN#, etc.)
- Gross annual sales/receipts
- Claim history
- Number of employees and annual payroll
- Commercial Auto Vehicles: Driver's DOB, driver's license #, VIN #, and current insurance coverage
- Commercial Building: Address, year built, square footage, building construction, type of roof, plumbing, and electrical
The #1 tip is communication. It is important to have lots of dialogue with your agent to make sure you cover all exposures. The more details you provide for the nature of your business, the easier it is to find the proper coverage needed.
Generally, it's a good idea to review all of your insurance needs at least once a year. If you have any major business changes such as hiring an employee or adding a new product or service, give me a call and we can take a look at whether adding additional insurance for specific types of risk may make sense.
In most cases, business insurance is required by law. Most states require businesses with employees to obtain workers' compensation insurance. Businesses who own commercial vehicles or trucks must also be insured with commercial auto insurance. Depending on where you live, your state law may also require you to obtain insurance as part of the licensing process.
The size of your business, where you operate, gross income, types of services offered, the number of employees, and claim history determine the cost of insurance for your business. Most insurance companies will offer you a package deal for the coverage you want. If you want to know the exact cost to insure your salon, request a free business insurance quote today!
"I own a plumbing company, and for years had the same insurance carrier. It was time for the renewal and I was already paying an outrageous price for the annual premium. So I decided to contact AIS Insurance Specialists for a quote. Long story short I was transferred to a girl named Vianney in the commercial sales department to further assist me. I have to say she was very knowledgeable and worked very patiently with me, as I tried to retrieve all the necessary information she requested. When she finally told me what my premium would be for the year, my jaw dropped, I was in total shock. Could not believe my ears, I mean going from $13,089 to $5,398 is a humongous saving :-) Have to say thank you, thank you, thank you for everything. I am extremely glad I contact AIS. I definitely recommend everyone to call and request a quote. Trust me you will be smiling after..." - Alex F. (Chatsworth, CA)
Yes! You can follow my Facebook Business Page. On my page, you will find helpful insurance tips, relevant industry news, and any other information that may be useful to you. Follow my page and be sure to tell your friends and family!