Business Insurance

Smarter Business Insurance. Made Simple.

Your business is unique. Your Insurance should be tailored to your needs. That’s what we do.

Insurance Carriers partner with Associates Insurance Group to increase their distribution and break into new markets

Workers’ Comp

We simplify Workers’ Compensation with claims advocacy, E-MOD protection strategies, and safety programs tailored for each Industry.

E-MOD Restore & Defend

What is your E-MOD
How to advocate claims appropriately to lower your E-MOD
How large claims vs. small claims affect E-MOD

Claims Advocacy

In-House Medical Claims Division
24/7 Nurse Triage Line
Oversee claims from inciting injury to return to work

Proactive Renewal to ensure you are saving money

Start renewal process 90 to 120 days out
Policy Design Review
Yearly E-MOD Analysis
Yearly Deductible Analysis
Yearly Market checks
Yearly rate check

General Liability

Protects the business against claims of bodily injury or property damage to third parties that occur on the property or due to general operations.

Commercial Property

Covers the cost of repairing or replacing damaged property and the physical assets owned by the business from perils like fire, theft, vandalism, and natural disasters.

Wind/Hail Deductible Buyback

This is a specialized form of coverage or an endorsement that reduces or “buys back” a high deductible specifically applied to property damage caused by windstorm or hail events. Many property policies, particularly in wind-exposed areas, have percentage-based deductibles (e.g., 1% or 2% of the insured value) for wind/hail claims. A buyback policy allows the municipality to pay an additional premium to reduce that percentage deductible to a lower, fixed dollar amount, thereby reducing their out-of-pocket exposure in the event of a severe storm.

Earthquake Insurance

A separate policy or endorsement to Commercial Property Insurance that covers physical damage to municipal buildings and contents caused directly by earthquakes, including shake damage and resulting fire or sprinkler leakage. Standard property policies typically exclude earthquake damage, making this essential for municipalities located in seismically active regions.

Flood Insurance

A separate policy or endorsement to Commercial Property Insurance that covers physical damage to municipal buildings and contents directly caused by flooding. “Flood” is typically defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (one of which is yours) from overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters, or mudslides. Standard property policies exclude flood damage.

Commercial Auto

Covers vehicles owned and operated by the business. It provides coverage for bodily injury and property damage you cause to others in an accident, as well as damage to your own municipal vehicles, and medical payments for injuries to occupants, depending on the specific coverages purchased.

Hired/Non-Owned Auto (HNOA):

This crucial add-on or specific coverage extends liability protection for vehicles the business does not own but uses for official business purposes.

Hired Auto: Covers vehicles the business leases, rents, or borrows for official use.
Non-Owned Auto: Covers vehicles owned by business employees or volunteers but used for official business (e.g., an employee using their personal car to attend a meeting, a volunteer driving their own vehicle for a community event).

Professional Liability

This is crucial for service-based businesses. It protects against claims alleging financial loss to a third party due to your professional negligence, errors, or omissions in the services you provide.

Negligence and Errors
Omissions
Defense Costs
Settlements and Judgements

Medical Malpractice

This is especially important for healthcare professionals and covers claims of injury or harm to patients due to medical errors.

Public Officials Professional Liability

This coverage protects the municipality and its employees (including elected officials, appointed boards, and staff) against claims alleging financial loss or harm due to negligence, errors, or omissions in the performance of their official duties or provision of government services. This can include claims related to:

Employment Practices Liability

What is Employment Practices Liability Insurance (EPLI)?

EPLI protects the municipality against claims made by current, former, or prospective employees alleging wrongful acts related to their employment. Examples include:

Discrimination (race, age, gender)
Wrongful Termination
Harassment/Sexual Harassment
Retaliation
Failure to Promote
Breach of Contract

Employee Benefits Liability

What is Employee Benefits Liability (EBL)?

EBL protects the business from out-of-pocket expenses arising from errors or omissions in the administration of employee benefits programs, including health, life, disability, retirement, and many other benefits.

Examples of Covered Benefits Errors

Failure to enroll an employee in health insurance plan benefits
Incorrectly calculating retirement plan contributions
Providing erroneous information about employee benefit eligibility

Management Liability

What is Management Liability?

This is an umbrella term that can encompass several types of liability coverage for a municipality’s leadership and various fiduciaries. While Public Officials Liability specifically addresses the governance roles, “Management Liability” can also refer to broader Directors and Officers (D&O) liability for entities not strictly governmental or include other aspects like Fiduciary Liability (for managing employee benefit plans) or even be packaged with EPLI and Crime coverages. For municipalities, the POL coverage is typically the most prominent component.

Other Types of Management Liability Insurance

EPLI
Fiduciary Liability
Crime
Cyber

Product Liability

Do you have coverage on your products’ design?

Product Liability is a type of insurance that shields businesses from financial losses as a result of legal claims from defective products.

Product Liability provides coverage for losses or injuries suffered by a buyer, user, or even a bystander due to a product defect/malfunction. It can even cover lack of sufficient warnings or instructions.

Abuse & Molestation Insurance

Provides coverage for claims alleging sexual abuse or physical molestation perpetrated by an employee or volunteer. This is critical for businesses that operate programs or facilities involving vulnerable populations, such as minors, the disabled, or the elderly. It covers legal defense costs and damages.

Crime Insurance

What is Crime Insurance?

Protects the business from financial losses due to various criminal acts.

Some Criminal Acts Covered by Crime Insurance

Employee dishonesty (theft of funds or property by a staff member)
forgery
alteration
theft of money/securities on or off premises
robbery
safe burglary
computer fraud

Cyber

Given the vast amount of sensitive citizen data (e.g., tax records, utility bills, public safety information) and critical infrastructure managed by municipalities, this coverage is essential. It covers financial losses and expenses related to cyber incidents such as data breaches, ransomware attacks, denial-of-service attacks, and network security failures. This includes costs for forensic investigation, data recovery, legal defense, regulatory fines, notification to affected citizens, and business interruption due to a cyber event impacting municipal services.

The two main segments of Cyber Insurance are:

First Party Cyber Insurance

Covers the business’ direct losses from a cyber incident affecting your own systems, networks, or data
Among other coverages, First Party Cyber Insurance provides relief from financial losses, data and asset recovery, and crisis management.

Third Party Cyber Insurance

Provides liability protection in case a data breach or cyber incident at your business leads to claims or lawsuits from external parties
Protects the busieness from financial liabilities and legal expenses resulting from harm caused to clients, vendors, or other third parties due to a cyber incident involving your systems

Excess/Umbrella Liability

What is umbrella or excess liability coverage?

Liability coverage to sit in addition to the limits of liability present in General Liability, Auto Liability, Employers Liability (workers’ compensation), Professional Liability, Product Liability, Cyber Liability, and/or Liquor Liability (considered “underlying” policies)
Umbrella is considered an “overlying” policy that takes effect once the limits of the underlying policies have been exhausted.
Example: if we have a $1 million limit per occurrence on General Liability, any claim that exceeds that amount would incur out-of-pocket expenses without the umbrella. With an umbrella policy, any amount over the underlying policy limit would be covered up to the amount of coverage selected by the umbrella policy

Why do contractors need this coverage?

Average General Liability claim can easily exceed $1 million in total cost (including damages, legal/defense costs, etc.), and the umbrella ensures you are protected against out-of-pocket claims expenses
If a major lawsuit exhausts the limits of your underlying policies, the Umbrella/Excess policy kicks in to provide higher levels of protection, safeguarding the business from potentially devastating financial judgments.
Litigation has become more common in today’s landscape – umbrella/excess liability coverage further insulates your business and assets from legal action

Bonding (Surety Bonds)

Unlike traditional insurance, which protects the policyholder, a bond protects a third party (the obligee) against financial loss if the principal (the party required to obtain the bond) fails to fulfill a contractual obligation or a legal duty.

Start customizing your Business Insurance

Let our Specialists customize your Business Insurance to meet your needs.

Request a Policy Design Review