We know you've worked hard to build your business, so we help you protect your assets. No matter the size and type of your business, we can match you with the perfect insurance provider.
While your day-to-day operations are complex, understanding Business insurance doesn't have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
Minimum coverage options
Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.
Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.
Workers' Compensation Insurance can satisfy your employees' medical needs in the event of an accident or disease and make a quick return to work possible, while removing lawsuit potential by current or former employees.
Business Auto Insurance can get you on the road again quickly after an accident and ensure your business is protected against losses from injuries to other drivers, passengers and pedestrians for which you and your employees are liable.
Tailor your Policy with these additional insurance options
Employment Practices Liability can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.
Life Insurance for Business Owners can help you plan for business succession, survive the loss of a key employee or partner and retain/reward your top people.
Umbrella can shield your business from potentially ruinous lawsuits with additional liability coverage.
Bailee can protect against damage to customers' goods, including jewelry and clothing.
Transportation and Cargo to cover against goods that are damaged or lost when transported by one of your vehicles or common contract carriers.
Spoilage for perishable goods when they spoil due to a mechanical breakdown or power outage.
Delivery/Catering Non-Owned Auto if an employee is involved in an auto accident while driving a personal automobile on company business, such as in a delivery or catering service.
If you're already covered
You've made a sound choice to protect your organization and employees with business insurance. However, your business has specific needs which may change over time. Reviewing your policy annually makes certain your coverage options continue to fully protect your assets. When in doubt, contact ALL-IN-ONE INSURANCE AGENCY for help.
- COMMERCIAL AUTO INSURANCE - PROTECTS YOUR BUSINESS
When the rubber meets the road, it's serious business. Vehicles put your employees in front of existing and prospective customers and get your products to where they need to go. But unlike the oversight and insight you have on your business operations, road conditions, weather and other drivers are out of your control. Any bodily injury – including injury sustained by other drivers, passengers and pedestrians - for which you are responsible, or damage caused to other vehicles or property, could put your business in financial jeopardy.
Just like your car insurance, Business Auto insurance is there to keep you, your employees and your business on the road to a bright future.
Flexible coverage options that work for your business
Whether you manage just a few cars or a full truck fleet, these are just a few of the available Business Auto insurance options to help ensure you and your business are fully safeguarded:
• Bodily Injury Liability coverage for other drivers' and passengers' injuries or death for which you are responsible.
• Property Damage Liability coverage for damages to someone else's property for which you are responsible.
• Comprehensive Coverage for your vehicle in case of losses resulting from an event other than an accident, such as theft or a tree branch falling on your vehicle.
• Collision Coverage for your vehicle when your car hits, or is hit by, another vehicle.
• Uninsured/Underinsured Motorist Coverage for your injuries, damages or death caused by an at-fault driver without insurance or without enough insurance to cover all costs.
• Medical Payments Coverage for care expenses incurred by you and passengers in your vehicle injured in an accident.
APARTMENT OWNERS- For Apartment Building Owners
From an apartment complex fire to visitor injuries or tenant concerns, you need to know you have the coverage you want when the unexpected happens.
Popular insurance coverage for Apartment owners
Business Property - You need coverage for the unexpected, whether it is theft, fire or a windstorm. If your building is damaged or if your office contents, such as tenant leases and paperwork, are destroyed or stolen, it may be impossible to house tenants or manage their concerns. Business Property insurance helps you protect the building, equipment and income you rely on each day.
Business Liability - Anyone who comes into your apartment location can file a claim or lawsuit for accidents, mistakes or injuries involving you or your employees. Business Liability insurance covers your apartment complex in case of accidents or mistakes that may occur on premises, including a slip and fall.
Business Crime - Insurance coverage for your apartment building to help you with losses resulting from wrongdoing like theft, forgery or robbery by an employee or other third party. Business Crime insurance includes coverage for things like vandalism and employee dishonesty.
Building Ordinance - Building Ordinance Coverage covers the increased cost to comply with a building ordinance or law when you repair or remodel the building after a natural disaster or other catastrophe.
AUTO SERVICE AND REPAIRE - Auto Body Shops, Oil Change Shops, Transmission Shops and more
From accidents caused by errors when servicing vehicles, or damage to tools and equipment, you need to know you have the coverage you want for the challenges you face as an auto repair shop owner.
Business Liability - Insurance coverage for your Auto Service and Repair business in case of accidents, mistakes or injuries that may occur on or away from your premises. Whether you need coverage for an onsite injury or technician error when a customer's vehicle is being serviced, Garage Liability insurance is crucial.
Business Property - Don't let the future of your business be devastated by financial consequences from unforeseen events. Business Property insurance has features like Business Income insurance and Employee Tools coverage. Optional coverage includes Equipment Breakdown coverage to help protect the things you rely on each day.
Business Auto - Business Auto insurance can include Non-Owned Auto insurance to provide coverage if an employee is test driving a customer's vehicle following a service appointment, or when an employee is involved in a car accident while driving a personal vehicle on behalf of your business.
Business Crime - Business Crime insurance coverage for your Auto Service and Repair business will assist you with losses resulting from wrongdoing like employee theft of money, equipment and parts or robbery by a third party.
COMMERCIA REAL ESTATE - Office Buildings, Retail Shopping Centers and Industrial Buildings
From office building or equipment damage to employee injuries onsite, you need to know you have the coverage you want for your Commercial Real Estate business.
Business Property - Don't let the future of your Commercial Real Estate business be devastated by financial consequences from unforeseen events like fire, hail or other hazards. Business Property Insurance offers an excellent defense against unexpected occurrences.
Business Income - This coverage allows you to continue to receive income while your property and its contents are being rebuilt and replaced. Business income not only helps you cover operating expenses needed to keep a business going after a loss, but it also could replace lost rents.
Tenants Move-Back Coverage - Tenants Move-Back covers costs for tenants to return to your property after being temporarily relocated if a fire, windstorm or other hazard damages or destroys your Commercial Real Estate property.
Buildings – Replacement Cost - Building Ordinance Coverage covers the increased cost to comply with a building ordinance or law when you repair or remodel the building after a natural disaster or other catastrophe.
HOME AND BUILDING SERVICE - Plumbers, Electricians, Landscapers, Painters and more
Business Property - Make sure you have Business Property insurance coverage for your Home and Building Service business no matter what the future holds. Whether it is a windstorm, fire or other unexpected event, we can help you protect your equipment, valuable papers and customer service records.
Business Liability - Business Liability insurance for your Home and Building Service business in case of accidents, mistakes or injuries that may occur at your job site. This may include incomplete work on a residential or commercial property that causes a client or customer to be injured.
Tools and Equipment - Contractors' Tools and Equipment Coverage option can help you cover costs to replace tools and equipment your business needs to continue servicing your customers. It would cover items that are damaged by a fire, theft, or other covered cause of loss.
Business Crime - Business Crime insurance coverage for your business could help you with losses resulting from wrongdoing like employee theft and robbery by a third party.
PROFESSIONAL SERVICE - Medical, Veterinary and other Business Professional Service providers
From client or patient injuries to office damage and equipment malfunctions, get specific coverage for the needs of your Professional Services, Medical, Dental or Veterinary office.
Business Property - Repair or rebuild your office quickly if it is damaged by fire, hail, windstorm, or other unforeseen event. Business Property insurance can help you protect your office location, as well as the contents inside including valuable equipment and papers and records.
Business Liability - Insurance coverage in case of accidents, mistakes or injuries that may happen on your premises, including a slip and fall accident.
Workers Compensation - Covering employee-related medical costs as a result of a job-related incident is a key expense for any business, and in most states, manufacturing companies are required by law to carry Workers' Compensation insurance.
Business Crime - Business Crime insurance coverage for your business will assist you with losses resulting from wrongdoing like employee theft of money, equipment and parts or robbery.
RESTAURANT- Fine Dining, Quick Service and Casual Restaurants
From food spoilage caused by equipment breakdown, fire damage, and employee or customer injuries onsite, Restaurant insurance helps protect you from the risks you face as a restaurant owner.
Common coverage for Restaurant owners:
Business Property - Business Property insurance covers losses if a fire, hail or another event damages your building and equipment, which could force you to close your restaurant's doors. It covers your restaurant location and inside contents including fixtures, furniture and valuable restaurant equipment.
Business Liability - Choose Business Liability insurance for accidents, mistakes or injuries that may occur at your restaurant. This may include a customer's claim of a broken tooth or illness because the food served at your restaurant was tainted.
Business Crime - Unfortunately, employee theft, robbery and forgery are obstacles you may encounter as a restaurant owner. Business Crime insurance covers you for losses both within and outside your restaurant.
Workers' Compensation - Accidents involving your employees may happen even in the safest, most code-compliant kitchens and dining rooms. We offer Workers' Compensation insurance for your restaurant so you are prepared when those accidents and illnesses occur.
RETAILE STORE - Salons, Dry Cleaners, Boutiques, Convenience Stores and more
From inventory theft, equipment breakdown and employee injuries onsite, you need to know you have the coverage you want when the unexpected happens.
Business Property - Business Property insurance covers your store location and the contents inside, including equipment, fixtures, and inventory. We can help you protect your store location and valuable equipment.
Business Income - Business Income Coverage (also known as Business Interruption Insurance) allows you to continue to receive income while your store and its contents are being rebuilt and replaced. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.
Business Liability - Liability insurance provides coverage in case of accidents, mistakes or injuries that may happen at your store. This may include a slip and fall accident on your premises or a customer claim that they were injured or became ill from a product or service you provided for them.
Business Crime - Business Crime insurance provides coverage for your Retail Store if one of your employees steals monies, securities or other property from you.