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Business insurance

INSURING YOUR BUSINESS YOUR WAY

We offer a variety of coverages and services that are customizable for your business.

AAA Small Business Insurance products

SELECT YOUR INDUSTRY AND PRODUCT SOLUTION

If you don’t see your particular Industry listed here, we have other options so talk to an Agent.

Contractors

Because we know that surprises can happen, we understand you need support if or when the unexpected occurs. That is why our Agents take the time to get to know you and your business and can provide the best policy for you.

Insurance products to consider: Liability; Property; Workers Compensation; Umbrella;

Restaurants

Whether you are a brick & mortar restaurant, small café or food truck, you need to keep those doors open and customers coming, and protect against the unexpected. AAA Agents will ask you all the right questions to determine what products are right for your particular business. Talk to an Agent to get the best policy solution for you.

Insurance products to consider: Liability; Property; Workers Compensation; Business Interruption; Umbrella; Restaurant Liability (e.g. customer illness or injury); Restaurant Crime Insurance (e.g. employee theft);

Automotive

Whether you are selling, servicing, repairing or all three, it is most likely there is never enough time to think about insurance. That is where our AAA Agents come in. Let them do the work for you. All you need to do is answer a few simple questions and they will put together a great, easy to manage policy that is customized just for you!

Insurance products to consider: Liability; Property; Business Interruption; Umbrella; Commercial Auto; Workers Compensation; Business Crime (e.g. employee theft)

Retail Store

No matter what your retail specialty, we are sure you are always looking for ways to improve and grow your business. As you do this, you want to make sure that you protect your store from the unexpected. Give us a call and let our AAA Agent work to get to know you and your business to provide the best policy customized just for you!

Insurance products to consider: Liability; Property; Umbrella; Business Interruption; Workers Compensation; Business Crime (e.g. employee theft)

Office Spaces

You are a professional and your business depends on you being able to keep an office running without interruption. Things happen – buildings may get damaged by storm or fire; furniture or equipment may get stolen. You want to be prepared for any of these unexpected events. Let us help make sure you are ready. Call and talk to one our AAA Agents who know all the right questions to ask to figure out the right policy for you!

Insurance products to consider: Liability; Property; Workers Compensation; Umbrella; Business Crime (e.g. employee theft)

Home Based Business

Do you work out of your home and have clients or customers visit you in person? Do you have special equipment or tools that would be very expensive to replace? If so, give us a call and chat to a AAA Agent to determine what type of small business policy makes the most sense for your particular situation.

Insurance products to consider: Business Owners Policy (BOP); Professional Liability; Umbrella; Product Liability (e.g. employee theft)

Didn’t see what you were looking for? We have other options.
Have a AAA Agent contact you.

SERVICE & CLAIMS
Existing Customers:
For service & claims, please call:
844-AAA-4BIZ
844-222-4249


Business Auto Insurance

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A business auto policy protects your business's bottom line by providing more liability coverage than the standard auto policy. Coverage is available for vehicles that are owned, leased, hired, rented or borrowed. Coverage may include:

  • Bodily injury and property damage liability
  • Collision damage
  • Comprehensive physical damage
  • Uninsured/underinsured motorist
  • Medical expenses
  • Autos rented by employees
  • Electronic equipment such as a GPS or DVD player
  • Glass repair
  • Lease and loan gap coverage

Business Owner's Policy (BOP): Includes Liability, Property & Business Interruption

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Business Property and General Liability Insurance
Property damage, lawsuits and injuries can mean financial ruin for a business without adequate insurance coverage. For that reason, business owners need insurance to protect their business and their assets. A Business Owner’s Policy (BOP) includes three types of insurance:

Property Insurance: Property insurance covers damage to buildings and contents owned by the company. This includes buildings, equipment, computers and inventory. A commercial insurance agent will help tailor a policy to fit your needs. Coverage may include:

  • Building and business personal property
  • Computers, software and data
  • Computer fraud protection
  • Accounts receivable to reconstruct lost or damaged records
  • Property in transit
  • Tenant obligations for damage to building
  • Income loss due to interrupted utility services
General Liability Insurance: Lawsuits are a reality for many businesses, which is why general liability protection is an essential part of financial protection from lawsuits and claims. Liability insurance covers the company’s legal responsibilities for harm caused to others. Coverage may include:
  • Bodily injury and property damage liability if your business is sued for injury or property damage.
  • Personal and advertising liability for malicious prosecution, libel, slander, wrongful eviction, false arrest, discrimination, privacy invasion or copyright infringement.
  • Medical expenses for injuries on business property.
  • Damage to rented business premises if damage is due to fire, lightening or explosion.
  • Employment practices liability for sexual harassment, wrongful termination or discrimination lawsuits.

Business interruption insurance: This covers the loss of income if a business is temporarily forced to shut down because of a catastrophe, such as a hurricane or fire. It can also include the extra expense of operating out of a temporary location.

Workers' Compensation Insurance

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Employers are legally obligated to take reasonable care to assure that their workplace is safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.

Workers' compensation coverage provides benefits to your employees for work-related injuries or illnesses. Benefits can pay for medical care, lost wages, disability benefits and even death benefits. It also provides critical liability protection from lawsuits against employees or their family members due to work-related injuries or illness.

Workers' Compensation Overview:

  • Only workers' compensation will cover medical expenses for on-the-job injuries or illness; medical insurance will not.
  • Rates are based on three factors: Industry, employees' wages and your workers' compensation track record when compared to other businesses in the same industry.
  • Workers' compensation laws vary by state, but AAA Mid-Atlantic’s Commercial Insurance agents can provide details on specific laws in your state. Contact an agent to learn more.
  • Report claims right away to help employees get the care they need and to prevent injuries or illnesses from escalating.

General Liability Insurance

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Lawsuits are a reality for many businesses, which is why general liability protection is an essential part of financial protection from lawsuits and claims. Liability insurance covers the company’s legal responsibilities for harm caused to others. Coverage may include:

  • Bodily injury and property damage liability if your business is sued for injury or property damage.
  • Personal and advertising liability for malicious prosecution, libel, slander, wrongful eviction, false arrest, discrimination, privacy invasion or copyright infringement.
  • Medical expenses for injuries on business property.
  • Damage to rented business premises if damage is due to fire, lightening or explosion.
  • Employment practices liability for sexual harassment, wrongful termination or discrimination lawsuits.

Property Insurance

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Property insurance covers damage to buildings and contents owned by the company. This includes buildings, equipment, computers and inventory. A commercial insurance agent will help tailor a policy to fit your needs. Coverage may include:

  • Building and business personal property
  • Computers, software and data
  • Computer fraud protection
  • Accounts receivable to reconstruct lost or damaged records
  • Property in transit
  • Tenant obligations for damage to building
  • Income loss due to interrupted utility services

Business Interruption Insurance

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This covers the loss of income if a business is temporarily forced to shut down because of a catastrophe, such as a hurricane or fire. It can also include the extra expense of operating out of a temporary location.


Business Crime Insurance

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Helps cover loss resulting from fraud, robbery, forgery or employee theft of money or property.


Umbrella Insurance

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Give your business an extra layer of protection, in addition to the coverage provided by your underlying policies.


Restaurant Liability Insurance

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This can help cover the cost that might occur when food or drink that you serve might be responsible for accident or injuries.


Commercial Auto Insurance

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When you or your employees are driving company vehicles for business you need to have commercial and not personal auto insurance.


Product Liability Insurance

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Protect yourself from accidents that might happen in a customers home from product that you have made in your home business and shipped to them.

Professional Liability Insurance

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If your business offers advice or personal services you are working hard every day to deliver the best service to your clients. However, sometimes mistakes happen and professional liability insurance can help provide peach of mind if or when an error occurs.