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Finding the best insurance plan to protect your business is one of the many important decisions a small-business owner makes. To determine your business insurance needs, you should review your property and risks.
ACI provides customers of all sizes with management liability, professional liability and surety products. In addition, we also provide traditional property casualty coverage to Financial Institutions.
BOP and Commercial Package Policies
Business Owners Policies (BOP) and Commercial Package policies, offer 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 coverages, adding other options, or eliminating unnecessary coverages. A Commercial Package can combine just the coverage you need such as: Property, General Liability, Products Liability, Business Income, Equipment Breakdown, and more.
Workers Compensation
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.
Automobile and Trucking
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 caused by fire, hail, and other risks. You can designate coverage for owned vehicles as well as leased, hired and/or borrowed vehicles.
Commercial Umbrella / Excess Liability
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.
For more information about other important coverages for your business click below:
Professional Liability
Specific products for professionals providing errors and omissions coverage to an assortment of professionals such as:
Private and Non-Profit Liability
A variety of products offering for privately held companies and non-profit organizations:
– Directors and officers liability
– Employment practices liability
– Fiduciary Liability
– Crime insurance
– Kidnap and ransom
– Identity fraud expense reimbursement coverage
Commercial Surety (Bonds)
Commercial Surety offers a wide range of Bond offerings from the multi-national companies to “Main Street” business and industries.
– Contract surety for commercial entities
– Court – fiduciary bonds
– Court – litigant bonds
– License and permit bonds
– Miscellaneous surety bonds
Construction Surety (Bonds)
Bonding and related services to general and heavy contractors, construction managers and subcontractors. Bond offerings include:
– Bid
– Performance and payment
– Release of Lien
– License and permit
– Supply
– Miscellaneous