Best Commercial Insurance Coverage To Protect Your Business

As an independent insurance agency, we work with the top-rated commercial insurance carriers to get the highest value for our business clients.

A business faces risks from both inside and outside its four walls. A company driver causes a multicar collision. A thief steals product from the warehouse. A customer makes a discrimination claim. An employee slices his finger on the production line. These insurance claims threaten a company’s viability if they do not have adequate protection.

Have questions to ask? Contact us or call us at (503) 292-1580

American Benefits Inc. offers every type of insurance product that a company needs to protect itself. Our brokers know every business is unique, and we work with our customers to identify all of the possible hazards that need managing to find the most comprehensive insurance terms. As an independent insurance agency, we can shop around for the best business and personal property insurance policy at the right price for our customers. Our No. 1 goal is to offer the most inclusive package at the highest value for our business clients.

Together, we evaluate our customers’ commercial insurance coverage needs while also looking for ways to lower property and collision coverage, workers comp or liability losses. These not only decrease business insurance costs, but also increase a company’s productivity during downtime.

Our comprehensive commercial insurance offerings include:

Business owner policies (BOP) and Commercial Packages
- Occurrence – delete
- General Liability including Products Liability
- Property/Contents coverage
- Business personal property – delete
- Building and Tenants Improvements – amend
- Business Income and Loss of Rents – add
- Business liability – delete
- Cyber Liability and Data Breach
- Inland Marine, Equipment Coverage, Cargo and Transit.
- Ocean Marine – Cargo and transit
Workers compensation
- Employer liability – delete
- State statutory limits and above – delete
- Employee coverage – delete
- OSHA – delete
Umbrella or Excess Liability coverage
- Umbrella or excess policy
Employment practices liability insurance (EPLI)
- Sexual harassment
- Third-party discrimination
- Wrongful termination
- Discriminatory hiring practices
- Employee relations
- Wage and Hour claims – add
Errors and omissions (E&O)
- Professional liability
- Tech E&O, Architects & Engineers, Property Managers, Real Estate and Mortgage Brokers, Medical Malpractice – add
Fidelity and crime coverage
- Third-party crime
- Employee dishonesty/theft
- Computer fraud
- Criminal theft
Commercial auto coverage
- Business auto liability
- Physical Damage – Comprehensive and collision
- Collision (delete)
- Hired not owned (delete)
- Glass, towing, rental reimbursement
- Personal Injury Protection (PIP) and MedPay no fault coverages
Directors and officers (D&O)
- Shareholder suits (delete fiduciary)
- Entity and individual coverage
- Fiduciary Liability
- Bonding
  - ERISA Bonds
  - Contractors Bonds – permit and performance bonds
  - Fidelity & Crime Bonds

Our complete business insurance solutions can help companies large or small in any industry. In a claims-driven environment, having the right commercial insurance coverage can proactively protect your business from harm.

Call American Benefits Inc. today to schedule a consultation and find out how to best protect your company from liability so you can get back to focusing on what’s important—running your business.