COMMERCIAL AUTO


This coverage can be included in a Commercial Package policy or as an individual policy. Coverage for autos used by a business when liability judgment arises out of the use of the auto, or the auto is subject to damage or destruction.
We offer a comprehensive number of insurance products that will ensure your protection on the road!
Whether you are looking for auto or motorcycle insurance we will work with you to determine the best coverage, deductible, and payment options for you. Being properly prepared is peace of mind for our Representatives at AIS. So we want to make sure that you have that peace of mind after making your valuable decision for insurance.
This coverage can be included in a Commercial Package policy or as an individual policy. Coverage for autos used by a business when liability judgment arises out of the use of the auto, or the auto is subject to damage or destruction.
 

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BUSINESS LIABILITY *


Coverage for liability exposure resulting from the activities of a business including: 1) Direct Liability-acts of the business resulting in damage or destruction of another partyís property or bodily injury to that party. 2) Contingent Liability-although the business may not have direct liability; it may incur a secondary or contingent liability, for example through the employment of an independent contractor. 3) Medical Payments to others insurance-acts of the business resulting in injury to another party, with the insurance company paying the medical expenses to that party without regard to legal liability of the insured business.

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PROFESSIONAL LIABILITY *


Coverage for specialists in various professional fields. Since basic liability policies do not protect against situations arising out of business or professional pursuits, professional liability insurance is purchased by individuals who hold themselves out to the general public as having greater than average expertise in particular areas.

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WORKERS COMPENSATION *


Coverage providing four types of benefits (medical care, death, disability, rehabilitation) for employee job-related injuries or diseases as a matter of right (without regard to fault). State workers compensation laws, which date from early in the twentieth century, provide that employers take responsibility for on-the-job injuries. Each state defines the benefit level for employers in that state.
 

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BUSINESS INTERRUPTION *


Business Interruption insurance is indemnification for the loss of profits and the continuing fixed expenses. Business interruption is a break in commercial activities due to the occurrence of a covered peril.

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DIRECTORS AND OFFICERS *


It is important for corporations to consider the D&O liability insurance that would protect directors and officers from individual or collective liability in the event of a suit.
The Directors and Officers Liability policy is written in 2 parts. The first portion of the coverage is directors and officers personal or individual liability coverage; the second coverage, referred to as the corporate reimbursement part, reimburses the corporation to the extent that the corporation indemnifies its officers and directors. The corporate indemnification section is the most frequently called upon. This portion responds to the corporations liability under various state statutes requiring indemnification of corporate officers and directors under certain circumstances. Although the statutes differ from state to state, the statutes generally permit indemnification only if the officer or director acted in good faith in a manner believed to be in the best interest of the corporation. Each part has its own retentionís, exclusions and deductibles.

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