Your Business and Employees are Worth it

Having Insurance gives you more than just peace of mind; it plays a vital role in the overall strategy of a long-standing business plan. Purchasing enough of the right coverage will help you stay competitive and protect your company in the event of an accident or disaster. Purchasing insurance can sometimes seem like a burden and can be expensive, but can your business afford not to have it? What you essentially accomplish when you purchase an insurance policy is transfer the financial risk from you to the insurance company. For example, most business owners wouldn't be able to absorb the cost of having to rebuild their place of business if was destroyed by a fire. What most could afford is the insurance premium to insure it in case it was destroyed. There are different insurance coverages that every business should consider, and having an agent go over your goals and needs is very important when it comes to purchasing the right coverage. AIA is experienced in finding the right insurance for almost any type of business insurance needs. Some of our business insurance coverages includes:

• Commercial General Liability Insurance
• Commercial Property Insurance
• Commercial Automobile Insurance
• Workers Compensation Insurance
• Group Life & Health Insurance
• Commercial Umbrella Insurance
• Professional Liability Insurance
• Inland Marine Insurance

Here are some ways to save money on business insurance: 

1. Shop around.
   Prices vary from company to company, so it pays to shop around. AIA is an independent agency with access to many different companies that will provide insurance for your business, so we will do the shopping for you.
2. Choose a higher deductible.
   Deductibles represent the amount of money you pay before your insurance policy kicks in. The higher the deductible, the less you will pay for the policy.
3. Buy a package policy.
   It can sometimes be cheaper to purchase a package policy, such as a Businessowners Policy (BOP), rather than individual coverages. A package policy provides standard coverages and limits of liability that are appropriate for typical small-to-medium-sized businesses.
4. Work closely with us.
   We can provide invaluable advice to help protect your business from unexpected disasters. But you need to keep us informed about any major changes in your business. This includes major purchases, expansions or changes in hiring or the nature of your operation.
5. Ask about ways to prevent losses.
   You may be able to reduce your premium for certain coverages by following your insurer's recommendations. These can include workplace safety, disaster preparation, monitored alarm systems, and fire sprinklers.