At A.O. Wing Agency, we know what it takes to run a good business. We also know that making sure your business is properly covered is just as important as choosing the products or services that your company offers.

As a business owner, you are undoubtedly very busy. Let A.O. Wing help by serving as your advisor while we craft a competitive policy that keeps your business and it's assets protected, so that you can focus on what you do best ... grow your business.

Below you will find a small sampling of the types of commercial coverage we can provide:

Commercial Property Coverage
Commercial property insurance covers the physical parts of your business. These are things like your building, equipment, furnishings, fixtures, inventory, computers, records, and other valuable items. Property insurance can also help provide income if your business cannot operate for a while after a covered loss.

Commercial Liability Coverage
Commercial liability insurance protects your business if your company is sued for bodily injury or property damage to someone else. EPLI, Cyber Liability Insurance is also offered.

Commercial Auto Coverage
Just like the insurance you have on your own car, commercial auto insurance is there to protect you and your assets. You cannot assume that your personal coverage protects you while working because most personal policies do not cover damage that happens while on company business.

Workers Compensation Coverage
Whether you have one employee or hundreds, most states require that you have workers compensation insurance. This even includes family businesses where you may feel that workers compensation insurance wouldn't be necessary. This insurance protects employees by providing benefits for job-related injuries or illnesses. It also protects you and your company against lawsuits related to employee injuries or illnesses. Every state has different requirements and A.O. Wing agency can help you determine the requirements based on your location.

Commercial Umbrella Coverage
Even small businesses are occasionally exposed to large lawsuits or catastrophes. The news is filled with court settlements that are far beyond the limits of most business liability insurance. Umbrella insurance takes over when a lawsuit exceeds the limits of your other commercial coverage. This second layer of protection usually starts at levels above $1,000,000 and goes much higher.


For more information or to obtain a free no-obligation quote, please email , info@aowingins.com today.