Business Insurance

Small Business Owner

If you are a business owner, turn to AAA for your business insurance needs. We offer flexible commercial property insurance and commercial auto insurance, as well as business liability options, giving you the peace of mind to focus on your business success.

Our licensed insurance agents can design a commercial insurance plan to fit your needs, whatever type of business you own, including:

  • Office
  • Retail
  • Institutional
  • Wholesale
  • Service
  • Trade Contractors

Our flexible insurance coverage options allow you to tailor the plan to fit your business needs. Most business insurance policies automatically include Employment Practices Liability coverage to cover a wide range of employer/employee-related risks. 

Available coverages includes

Professional Liability – Insurance protection against claims of negligence or malpractice for some classes.
Accounts Receivable – Provides insurance against losses caused by damage to your records, which may prevent the collection of funds owed to you.
Employee Dishonesty – Available in amounts from $10,000 to $250,000 to help protect you from the dishonest acts of employees.

Electronic Data Processing Equipment – A base level of coverage is built into the policy. You can also schedule high value items separately.


Business Income Loss – Protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses.
Premises Liability Coverage – Insurance coverage for losses caused by bodily injury or destruction of property suffered by customers on your premises.
Business Income Loss Protection – Insurance protection against loss of income for up to 12 months and pays the full cost of necessary extra expenses to help you stay in business.
Money and Securities Coverage – For loss of currency and other negotiable instruments on and off your premises, as well as losses due to counterfeit money and bad checks.
Tools and Equipment Coverage – Insurance against losses concerning owned, borrowed, rented or leased tools and equipment.
Seasonal Coverage Increases – Increases your personal property limit during peak periods by 50%, as long as your limit is at least 90% of your average annual contents value.
Inventory Coverage – Insurance protection that’s geared toward your volume of inventory as well as its frequency of turnover.
Personal Property in Transit Coverage – For Business Personal Property being transported in your vehicle by a common or contract carrier or in the mail.
Business Personal Property – Insurance protection against loss concerning your business’ personal property and the property of your customers while in your care.
Valuable Papers – Insurance for the cost to restore information from documents such as medical or legal records, deeds or abstracts.
We also offer an all-inclusive umbrella policy for an additional layer of protection.