Learn more about California's new minimum auto insurance requirements.
Protect Your Small Business With the Right Insurance
Choosing the right insurance is one of the smartest things you can do for your business. Whether you work alone or lead a team, a business insurance policy ensures an accident won’t wipe out your hard work or your personal savings. When your coverage is tailored to your specific needs, your assets stay protected from expensive setbacks, giving you the freedom to focus on your work with total confidence.
Think of business insurance as your financial safety net. It steps in during "what if" moments like property damage, legal claims, or workplace injuries that might otherwise be too expensive to handle on your own. At the end of the day, good protection is about more than just paperwork; it is the foundation for your company’s stability and long-term success.
What Does Business Insurance Cover?
Business insurance covers risks like property damage, lawsuits, workplace injuries, and theft. It helps pay for repairs, legal fees, and medical bills, protecting your assets so you can recover quickly and keep your business running smoothly.
Who Needs Business Insurance?
Whether you are a solopreneur, manage a growing team, or run a brick-and-mortar storefront, you need business insurance. It protects against the unexpected, ensures your doors stay open during tough times, and secures your financial future.
Types of Commercial Business Insurance to Choose From
Business insurance acts as a financial shield. Instead of your business paying out-of-pocket for a major accident or lawsuit, your insurance provider covers the cost. This prevents expensive surprises from draining your bank account or threatening your future. To get the right protection, it helps to understand your options. Below are the most common commercial insurance coverages we can help you with:
Business/Commercial Auto Insurance
Commercial auto insurance protects vehicles used for your business, such as delivery vans or company cars. It helps cover injuries and damages resulting from accidents that personal auto policies typically do not include.
General Liability Insurance
General liability insurance is foundational for most businesses. It safeguards you against financial loss from lawsuits over bodily injuries, property damage, or even accusations related to your business’s advertising.
Commercial Property Insurance
If your business has a physical location, commercial property insurance is essential. It helps covers the repair or replacement costs for both buildings and inventory lost to fire, theft, or acts of vandalism.
Business Owners Policy (BOP)
A bundle of three coverages, general liability, commercial property, and business income insurance, designed for small businesses. This all-in-one bundle simplifies protection while saving you money on essential coverages.
Workers' Compensation
Required in almost every state for employers, this policy covers medical costs and lost wages for employee work-related injuries or sickness to keep your entire team protected and your business legally compliant.
Commercial Umbrella Insurance
Commercial umbrella policy offers extra peace of mind by extending liability coverage beyond standard policy limits. It protects you from large claims or lawsuits that could otherwise overwhelm your business.
Contractor's Bond
A contractor’s bond assures clients that you will complete work as agreed and pay subcontractors or suppliers. If you fall short, the bond compensates affected parties, building trust and compliance in business relationships.
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
Employment Practices Liability Insurance (EPLI) protects your business from employee claims about workplace issues. This can include allegations of discrimination, wrongful termination, harassment, or employment disputes.
Inland Marine Insurance
Inland Marine Insurance covers valuable business items like tools, equipment, and inventory while they’re being transported or temporarily stored. This way, your property stays protected wherever the job takes you.
Business Insurance Made Simple: Why Choose AIS
Your business is a major investment, and it deserves more than a standard, one-size-fits-all liability policy. At AIS Insurance, our experienced Business Insurance Specialists are driven by one goal: protecting your hard work and assets. We work quickly to understand the specific risks of your industry, allowing us to help you identify gaps in coverage that may leave your business vulnerable, ensuring you get true financial peace of mind.
Stop settling for confusing policies. We make commercial insurance clear, fast, and highly effective. Call us today to speak with our agents who are ready to tailor a Business Insurance policy to your needs.
Connecting You to Top-Rated Business Insurance Carriers
Protecting your hard work starts with finding the right carrier. At AIS Insurance, we partner with over 25 of the most reputable names in the industry. This extensive network allows us to shop around for coverage that actually fits your specific business needs.
Whether you're looking for general liability, commercial auto, or workers' comp insurance, our goal is to give you the best options the market has to offer. Take a look at the partners we work with – you'll likely recognize a few – and let us help you navigate the world of business insurance, so you can get back to running your business.