Business | AIS Insurance Group, Inc.

Business

Businesses use our commercial products to insure their facilities, cover special risks and guard against the damage that an interruption in business operations can cause. Restaurants and Artisan contractors are among the many types of businesses that rely on AIS Insurance Group. Below are the major lines of commercial insurance products that we offer:

Commercial Auto
Provides coverage for vehicles owned by your business for damages and liabilities.  Commercial Auto policies provide coverage for bodily injury and property damage caused by an accident and resulting from the ownership, maintenance or use of a covered auto.

Businessowners
Provides coverage for small to medium size businesses for Property, Liability, Loss of Income
and other optional coverages. Businessowners policy provides coverage for small to medium size businesses including:

    • Restaurants
    • Retail
    • Offices
    • Wholesale/Distributors
    • Apartments

A Businessowners policy provides the following built-in coverages that are important to protecting small to medium size businesses:

    • Business personal property
    • Building coverage
    • General liability
    • Business income and extra expense
    • Equipment breakdown coverage

Employment Practices Liability
Protects small business employers from claims brought by employees alleging discrimination, wrongful termination, retaliation or sexual harassment.

Liability
Provides coverage for your business against claims from others for bodily injury and
property damage. Liability policies provide broad protection from risks arising from your premises and operations, independent contracts and product liability, to name a few.

Property
Provides coverage for your business building and/or contents from loss caused by covered perils. Coverage can also include lost income or business interruption.

Artisan Contractors
Provides small artisan contractors with coverage for business liability and optional property coverage including buildings, contents, tools and equipment.

Workers’ Compensation
Provides coverage for an employers’ liability for injuries, disability or death to persons in their employment, without regard to fault, as prescribed by state or Federal laws. Workers’ compensation insurance provides benefits to employees for work-related injuries, medical care and a portion of lost wages when the employee is unable to work.

Umbrella
Provides increased limits of liability above your existing liability policies for catastrophic liability losses that can happen to any business at any time. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event.

This additional liability coverage may be added to protect your business assets against multi-million dollar lawsuits which may develop as a result of catastrophic incidents. In the following example, it is easy to see that a company can be devastated by a single loss.

  • A company vehicle collided with another vehicle and caused $20 million in injuries for the other party.
  • Should your business be held legally responsible for such an incident and your underlying policy limits are exhausted, our Commercial Umbrella Policy will provide coverage up to the selected policy limit amount.

Please contact us if you are interested in obtaining a quote

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