Business Insurance

Protect your business and finances.

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Insurance for the business you've built.

Owning your own business is more than an investment you’ve worked hard to build, it can actually be a lifelong dream or goal, too. At AIS we support your growing business the best way we can, by making sure your investment is protected.

Every successful business needs complete protection against potential loss. Business insurance can be allocated into multiple types of coverage. Though, General Liability Insurance and Business/Commercial Auto Insurance are the most commonly known types of coverage.

We offer a wide-range of standard business insurance coverages as well as specialty insurance programs options, for those hard to place risk policies. Our business insurance coverages are designed specifically to keep you and your company financially intact.

Listed below is a list of general business coverages.

A Business Owner’s Policy contains coverage for various types of insurance all in one convenient package. It protects businesses from major property and liability risks.

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Covers the business from loss to one of its vehicles and from a liability loss in the event of an accident involving such vehicles.

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Covers the business for loss to its property (buildings, furniture, computers, etc.) by perils such as fire, burglary, wind, etc. and covers the business from financial loss due to the interruption of business in case of such loss.

Bonds are also known as Surety Bonds. This bond ensures job completion in case the contractor defaults and does not fulfill a contract.

An excess liability policy that provides additional coverage over the general liability, auto liability, and employers liability policies and may provide coverage over and for other exposures.

Protects the Board of Directors and other officers of the company from loss caused by lawsuit for its actions within the company.

Employment Practices Liability Insurance, known as EPL insurance or EPLI.

EPL insurance provides coverage to employers against claims made by employees alleging discrimination (examples: based on sex, race, age or disability), wrongful termination, harassment and other employment-related issues, such as failure to promote.

Protects the business from loss due to bodily injury or property damage caused by its activities or products.

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Required coverage covers the Workers Compensation requirements provided by state law and provides for payment of employee injuries.

Why Do You Need Business Insurance?

Lawsuit paperwork

Running a business involves a significant investment. And business insurance protects your investment by minimizing financial risks associated with unexpected events. A business’ bottom line is to be profitable. Without being properly insured, a company runs the risk of falling into a financial pit after a single uncovered accident related to the business operation.

Good insurance ensures that your company is covered for incidents ranging from car accidents in the company car to protection from unhappy employees. It gives business owners peace of mind.

If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance. Liability insurance covers your business from losses. If you're a business owner, you want to consider business insurance to protect yourself and your company and assets.

Business Insurance Coverage Options

  • Employment Practices Liability
  • Identity Theft
  • Electronic Data and Equipment
  • Valuable Papers and Records
  • Blanket Additional Insured
  • Care Custody and Control
  • Short-Term Pollution from Pollutants at Job Site
  • Building & Business Personal Property
  • Business Income and Extra Expense
  • Umbrella Policies
  • Product and Completed Operations Liability Insurance
  • Directors and Officers Liability Insurance
  • Employment-Related Practices Liability Insurance
  • And More!

Find out more about business insurance.

Business insurance coverage information

If you want to find out more about business insurance coverage, AIS is here to help.

Our specialists at AIS can search for coverage to protect your valuables, at a price that makes sense to you. They’re trained and ready to help you assess your needs and select the most appropriate coverage for your unique situation.

You can make sure your business is protected by calling our commercial department today at (866) 570-7335, or making a quote request so one of our specialists can reach out to you.
 

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