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 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 number one 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

General liability including product liability
Property/Contents coverage
Business income and loss of rents
Cyber liability and data breach
Inland marine, equipment coverage, cargo and transit
Ocean marine – cargo and transit

Workers’ Compensation

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

Errors and Omissions (E&O)

Professional liability
Tech E&O, architects & engineers, property managers, real estate and mortgage brokers, medical malpractice

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
Glass, towing, rental reimbursement
Personal Injury Protection (PIP) and MedPay no fault coverages

Directors and Officers (D&O)

Shareholder suits
Entity and individual coverage
Bonding
- ERISA bonds
- Contractor 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.