Commercial Products

Property:
Don't let vandalism, fires, or even worse, a natural disaster devastate your business' bottom line. The costs associated with repairing or replacing business personal property such as equipment, inventory and valuable paperwork, as well as tenant improvements or leased property is astronomical without this type of coverage. Our broad range of commercial property insurance is designed to protect your business and keep it running. Don't let catastrophe affect the value of your company.

General Liability:
To put it plainly, general liability insurance may save your company someday. Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. No matter which industry you're in, liability exposures exist in every part of your operations and at every location. While your business is doing everything it can to compete, the last thing you need is to spend valuable resources defending your business against claims that your products, services or operations have caused injury or damage to others. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage.

Professional Liability:
Let's face it, sometimes key employees make mistakes. Professionals are expected to have extensive technical knowledge or training in their particular area of expertise, as well as perform the services for which they were hired, according to the standards in their profession. If they fail to use the degree of skill expected of them, they can be held responsible in a court of law for any harm they cause to another person or business. Designed to protect individuals and companies that provide specialized advice, counsel and/or services, professional liability insurance is essential protection for valid claims as well as for the cost of defense against allegations of professional negligence.

Transportation:
Auto, Truck and Fleet It doesn't matter if you are a smaller business with several company cars or a trucking company with a large fleet; make sure your investment and your employees are protected. Your business should have a good commercial auto policy that provides coverage for legal liability for others' bodily injury or property damage arising out of the use of your business automobiles. Physical damage coverage protects your vehicles in case of accident or damage caused by fire, hail and other risks.

Automotive Services Industry:
At Always Affordable, we realize that advanced coverage options are vital to the progressive automotive service industry. In a business that's constantly evolving, it's important to have the most comprehensive coverage and innovative tools to keep operations and risk management running flawlessly. Our experienced and professional team offers extensive coverage options and writes tailored policies for several types of automotive service businesses.
1.Operations covered:
◦Full service gas stations ◦Tune-up shops/auto mechanical repair ◦Auto glass repair
◦Quick lube centers ◦Transmission shops ◦Muffler shops ◦Brake shops
◦Auto parts stores ◦Auto body shops ◦Full and self service car washes
2.Types of coverage:
◦Property ◦Business auto liability ◦General liability ◦Inland marine ◦Crime Petroleum

Marketers/Convenience Stores:
In the extensive world of fuel marketers, Always Affordable can provide customized coverage for all facets of the petroleum delivery system. By representing numerous well-known A+ rated insurance companies, our team of seasoned professionals offers a comprehensive range of petroleum insurance products. In fact, we offer coverage for carriers of many fuel types including gasoline, propane and oil.
1.Operations covered:
◦Petroleum jobbers ◦Convenience stores ◦Service stations ◦Aviation fuel ◦Wet hosing
◦Direct fueling of locomotives ◦Liquor sales ◦Truck stops ◦Car washes
◦Propane retail and wholesale ◦Bulk oil distributors ◦Common carriers
2.Types of coverage:
◦General liability ◦Property ◦Accounts receivable ◦Crime ◦Auto liability physical damage
◦Broadened pollution liability ◦MCS-90 ◦Workers compensation
◦Inland marine ◦Gasoline or oil contamination ◦Incorrect delivery of liquid products ◦Spoilage coverage

Health:
To attract good employees, a well rounded benefits plan is essential. Whether you are a large business or a growing small business, we can design one to fit both the employers' financial needs and employees' benefits needs from the following types of plans:

-Dental and Vision
•Short-term Disability •Long-term Disability •Life Insurance •Flexible Benefit Program

-Workers' Compensation
Typically, workers' compensation insurance is required by state, local or federal law, so you have no choice but to buy it. The fact of the matter is that if one of your employees gets hurt on the job, or injured by another co-worker, you may be facing a lawsuit. Hospital bills, attorney fees, lawsuit awards, lost wages, etc. are all collectible from an employer when an employee is injured - and don't forget about punitive damages. So avoid the misery and let us tailor a customized program that will protect your business.

-Umbrella and Excess
A commercial umbrella package can add an extra margin of insurance protection to your business. This supplemental coverage is designed to provide catastrophe liability protection in excess of a thorough primary insurance program.

-Employment Practices
Employers have been facing rapidly increasing liability for employment-related claims. With these numbers on the rise, it is little wonder that many companies are turning to Employment Practices Liability Insurance ("EPLI") to manage this risk. From hiring discrimination and wrongful termination issues to sexual harassment, employers are now legally responsible for a broader range of employee-related actions. We'll design a program that develops and implements key risk management practices company wide.

-Disability Insurance
Whether you're a sole proprietor, a partner in a business or a professional in a practice, you need special forms of disability insurance to protect your business and yourself. Your business should have policies that can fund buy-out agreements in the event of a serious, prolonged or permanent total disability.