Business Insurance
Coverage for sole proprietors to Fortune 500 companies
The Alliance Benefits Insurance Group provides a complete range of business insurance products and services covering a broad spectrum of corporate clients, including small business owners to multinational corporations engaged in a wide variety of business activities. From core property casualty products such as auto, general liability, umbrella excess liability, property insurance and workers compensation to specialized coverage’s including errors and omissions liability and business interruption, Alliance Benefits Insurance Group is ready to help you find the protection you need. Our depth of product offerings enables us to offer full comprehensive coverage that is suited to meet your businesses needs.
Our staff of dedicated professionals designs a comprehensive insurance program that meets your firm’s particular coverage needs while adjusting to changing market conditions. We thoroughly examine every aspect of your operation to determine the best possible approach while remaining sensitive to your business costs.
We provide insurance solutions for:
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Business Insurance
Your Business is Unique...Your Coverage Should Reflect That.
We know choosing the right insurance for your business is an important decision. That's why we work with insurance carriers that recognize this by creating insurance policies specific to your business type. Whether you're a store owner, office professional or wholesaler, flexible, streamlined business insurance coverage’s are designed to protect you against the unique risks and exposures you face - so you can tend to your business and rest assured that it is protected in every imaginable way.
A Business Owner's Policy (BOP) is recommended for most businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.
Business Owner's Policy, offers a myriad of options to meet your specific insurance needs. Some businesses may find the BOP alone to be sufficient, while others may wish to tailor the BOP by increasing key coverage’s, adding other options, or eliminating unnecessary coverage’s.
Our insurance carriers offer insurance protection for businesses in the following industry segments:
- Apartment: Are designed for owners of buildings used exclusively as apartment houses, including cooperatives.
- Building: Are designed for lessors of commercial buildings occupied by offices, mercantile and retail establishments.
- Business: Are designed for businesses providing personal consumer services, businesses repairing light consumer goods and businesses engaged in printing.
- Condominium: Are designed for owners of buildings used exclusively as condominiums.
- Contractors: Is designed for primarily small residential, special trade contractors.
- Garage: Is designed for independently operated or franchised automotive service and repair businesses.
- Manufacturers: Is designed for manufacturers of electronics, food products, leather goods, instruments, metal goods, paper products, plastic goods, rubber products, textiles and wood products.
- Office: Are designed for a variety of firms providing medical, legal, financial or other professional services for their clientele.
- Religious: Is designed for small churches and other houses of worship not affiliated with operating educational institutions.
- Restaurant: Are designed for various food service establishments such as fast food and family-style restaurants. There are plans also designed for fine dining establishments, banquet and reception facilities and caterers, as well as the larger family-style restaurants.
- Store: Are designed for a wide variety of retailers primarily engaged in brick-and-mortar commerce.
- Technology: Is designed for technology firms providing computer consultation and a variety of technology services for their clientele. There are plans designed for manufacturers of electronics and instruments products.
- Wholesalers: Is designed for distributors of various types of durable and non-durable domestic goods.
There are additional policies offering a large number of built-in coverage’s important to protecting your business, including:
- Business Personal Property (Optional for some businesses)
- Building coverage (Optional for some businesses)
- General Liability
- Product Liability
- Business Income and Extra Expense (Optional for some businesses)
- Employee Dishonesty
- Equipment Breakdown Coverage
Business Insurance-specific coverage options are also available, such as:
- Increased Fine Arts Coverage
- Accountants Endorsement
- Lawyers Endorsement
- Medical and Dental Office Endorsement
- Eating Establishment Endorsement
- Spoilage Coverage
- Bailees Customers Goods Coverage
The insurance carriers we work with are dedicated to the business marketplace and we are sure that you will find an insurance product that is well suited for your business.
A commercial automobile policy provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business automobiles. Physical damage coverage protects your vehicles in case of accident or damage or damage caused by fire, hail, and other risks. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles. More coverage options are also available.
Designed for those businesses that require specialized coverage tailoring.
With an Umbrella Liability Policy in place, there are fewer worries about depleting valuable business assets or future income to cover catastrophic liability claims. An Umbrella Liability Policy supplements your existing policy's general liability, auto liability and employers liability limits.
Workers' Compensation coverage is an available coverage to be added to a variety of policy types to round out your insurance protection. Workers' compensation insurance provides benefits to employees for work-related injuries. Coverage includes medical care and a portion of lost wages when the employee is unable to work. This insurance also provides benefits for the employee's dependents if the employee dies during work-related duty.
