Business Insurance
Most of our clients came to us for employee benefits and stayed for the rest of the program. One brokerage, one renewal calendar, one point of contact.
Who it is for
Small and mid-sized US employers who already trust us with their benefits and would rather not run a second broker relationship for everything else.
Benefits protect your people; this protects the entity.
- Leases, client contracts, equipment, professional advice
- One agency – renewals line up
- Certificates arrive on time
- Nobody explains the company twice
- Employers whose clients or landlords require proof of insurance
- Professional services firms carrying errors and omissions exposure
- Businesses with an office, warehouse, inventory or specialized equipment
- Companies hiring in a new state and needing workers compensation there
- Growing businesses whose original policy no longer matches the operation
What we can arrange
General liability
- Third-party bodily injury and property damage
- Premises, operations and completed work
- The coverage contracts and leases actually name
Property and BOP
- Buildings, contents, equipment and inventory
- Business income keeps payroll moving while recovering
- Often packaged as a business owner’s policy
Professional liability
- Errors and omissions cover for advice-based firms
- For claims that follow mistakes, not accidents
Workers compensation
- Statutory cover for work-related injury and illness
- Arranged for every state you operate in
- Coordinated with payroll and classification codes
Umbrella
- Extra limits above underlying liability policies
- For the claim that exceeds primary limits
Certificates of insurance
- Issued when clients, landlords or lenders ask
- Additional insured and waiver of subrogation wording
- Matched to what your contract requires
How AIS helps
- We read your contracts. Policies matched to the limits and endorsement wording your agreements require, not a generic package.
- One renewal calendar. Benefits and business policies reviewed together, so nothing lapses because it renewed in a quiet month.
- Certificates without delay. Handled by the same team as your benefits service desk.
- Growth checks. New location, state, equipment or first employees – we ask at renewal.
- Claims advocacy. Reporting, documentation and following the carrier through to resolution.
Where this line sits at AIS
- Employee benefits are our core discipline
- Business cover arranged for those clients as a program
- Availability depends on operations, state, carrier appetite
- Honest about direct placement versus specialist markets
Common questions
Business insurance FAQ
Send your certificate requirements to casula@aisinsuranceinc.com and we will tell you what the contract is really asking for.
Send us the contract clause or the request – it normally specifies
minimum limits and any additional insured requirement. We confirm your policy
meets it, arrange any endorsement needed, and issue the certificate.
Texas is unusual in not requiring most private employers to carry workers
compensation, but non-subscribers give up important legal protections and many
contracts require it regardless. Other states generally do mandate it – we
look at it state by state.
It covers third-party bodily injury and property damage – not your own
property, professional mistakes, employee injuries or a data breach. Which
additional lines matter depends on what your business does.
Yes. Send your current declarations pages and we map coverage, limits and
exclusions against your operations and contracts and show you the gaps –
whether or not you move the business to us.
No – same team, same contact, same renewal calendar. Consolidating removes
the moments where two brokers each assume the other handled something.
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