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business coverages

Business Insurance

No matter what field you’re in, business insurance can help you protect your dreams. Whether you’re a sole proprietor or you have a team of employees, having the right insurance is an essential element of financial protection.

Not sure what type of business coverage you need? Here are some common solutions that might be a good fit for you.

Business Insurance Coverages

Building coverage. If your brick-and-mortar space is damaged, our property coverage works hard to help you regroup and restore. We’ll also help cover the loss of income and extra expenses you incur while repairs are being made.

Auxiliary building coverage. If you have extra buildings and structures that help drive your business dream, we’ve got the protection you need.

Business personal property coverage. Make sure the equipment that drives your business — computers, copiers, tools, etc. — is protected too.

Business auto policy. A business auto policy gives you that much-needed liability, collision and comprehensive coverage your business vehicle needs.

Rental property damage coverage. Protecting your business space is important — whether you own or rent. We offer the coverage you need for repairs if there’s an accident when you’re renting.

Contractors insurance. This policy is designed for contractors with 10 or fewer employees and covers commercial liability, property and contractor’s equipment.

Employee Coverages

Business liability protection. Accidents happen — even at work. Make sure you’re protected from any bodily injury, property damage and/or personal and advertising injury expenses that arise from your business operations.

Medical expense coverage. Regardless of liability, this policy provides coverage for immediate medical care for injuries that take place where you’re doing business.

Commercial liability umbrella policy. This policy adds another layer of protection to your primary business liability coverages by giving you extra security against legal and financial incidents that could jeopardize your business dream.

Employment practices liability protection. Don’t let a lawsuit sidetrack your dream. This added coverage will protect you from court costs brought up by an employee.

Workers compensation and employers liability policy. Ensure that you’re meeting the insurance needs required by state workers’ compensation laws and regulations with this coverage.

Added Coverage, Extra Peace of Mind

Spoilage coverage. If you deal with perishable products — you need a backup plan. This coverage protects you from lost stock due to refrigeration or humidity control failure.

Back up and overflow coverage. If your sewer backs up or sump pump overflows, this coverage provides extra protection for your floors, walls and ceilings.

Employee dishonesty protection.You run an honest business, but not every employee has the same values. Protect yourself and your business from any losses employees could cause your business.

Flood insurance. Water damage resulting from floods could sidetrack your entrepreneurial dream. Safeguard your business with a flood insurance policy offered through the National Flood Insurance Program.

The Answers You Need

  1. An American Family business insurance policy combines property including loss of income, general liability and crime coverages into a simple package that’s customizable to your unique business and industry. That means we’ve got your staff, facilities and vehicles all protected under one policy. An American Family agent can help you explore them to decide which ones make sense for you. 

  2. It’s important to have enough protection to cover the costs of rebuilding your business and replacing your equipment if the unexpected happens. The value of the supplies and tools you use to run your business every day can add up quickly! Your agent can help give you a better idea of how much protection is just the right amount.  
  3. Great question! The cost of insurance varies a lot because it’s based on the unique features of your business and industry. But you’ll likely be surprised at how easy and convenient it is to protect it with American Family. You can get a quote online. Get started.
  4. If the unexpected happens, we’ll be by your side every step of the way. Our industry-leading claims service is focused on helping you regroup and restore, with as little interruption as possible. Need to file a claim today? Let’s get started. 

    Have more questions? Your American Family Insurance agent can help. Find your agent today.  

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