Business Insurance

Eugene Business Insurance

  • General Liability Insurance
  • Professional Liability/Umbrella Insurance
  • Business Property Insurance
  • Business Truck and Auto Insurance
  • Flood Insurance
  • Worker's Compensation Insurance
  • Bonds
  • Equipment Floaters
  • Group Health - Life - Disability - Long Term Care Insurance
  • Inland or Wet Marine Insurance
  • Specialty Insurance Programs

General Liability Insurance

At American Insurance Agency we offer General Liability Insurance, also known as Commercial General Liability Insurance. This type of insurance protects your business from third party claims for bodily injury, associated medical costs and damage to someone else’s property.

You should consider General Liability Insurance if you or your employees:

  • Visit a client’s place of work, or clients visit yours.
  • Have access to a client’s equipment. (i.e., a client’s workshop).
  • Write or speak about a client’s business.
  • Use third-party locations for any business related activities.
  • Are required to have general liability insurance before entering into a contract.

Typically Commercial General Liability policies are very competitively priced, however it is important to remember the Commercial General Liability does not provide coverage to items such as Workers Compensation, Professional Liability Exposures or Commercial Auto Insurance.

Professional Liability (E&O) Insurance

American Insurance Agency understands that mistakes happen. Every company messes up at some point. You can’t be everywhere all the time. Sometimes you can’t personally handle every job. That is why we offer Professional Liability Insurance which can protect companies and individuals against claims made by clients for inadequate work or negligent actions. Most Importantly, Errors and Omissions Insurance could save you from extreme embarrassment, loss of clientele, or even worse a bad reputation.

Excess Liability/Umbrella Insurance

At American Insurances Agency we offer Excess Umbrella Insurance. Excess Insurance provides protection for you when you have depleted your Liability Policy, Catastrophic Liability Losses or Major Claims that would ordinarily put you out of business. Give us a call or email us for more information about Excess Umbrella Insurance.

Business Property Insurance

We specialize in building a customized Business Property Insurance plan that is right for you and your business.  This Insurance plan is used to cover a variety of losses, for example, fire damage, office equipment damaged from electrical surges, even embezzlement by an employee just to name a few.  Business Property Insurance can help protect your business from the unexpected.

Business Truck and Auto Insurance

Commercial Business Truck & Auto Liability Coverage provides protection for any business owned or leased commercial vehicles. If you and your employees operate a vehicle for any part of your business in the state of Oregon, Comprehensive Company Car Insurance is mandatory. Policies usually include collision and damage coverage as well as coverage for property and personal damage to others. If you or an employee happens to have an accident while operating a business owned or leased vehicle, your company can be held liable for bodily injuries, lost wages, or any damage caused. As a business owner, you need to protect yourself and your business with Business Auto Insurance. Contact American Insurance Agency today and have our knowledgeable specialists customize a FREE QUOTE on Commercial Auto Insurance.

Business Auto liability Coverage may include:

  • Medical payments.
  • Comprehensive coverage.
  • Collision coverage.
  • Uninsured and underinsured motorists coverage.
  • Coverage for autos you own or lease.
  • Coverage for employees using their cars for the business.

Flood Insurance

Almost 40% of small businesses never re-open their doors following a disaster. Just a few inches of water can cause tens of thousands of dollars of damage. Over the past 5 years (2006-2011), the average commercial flood claim is just over $85,000. Flood Insurance is the best way to protect your business from an overwhelming financial loss. Flood insurance is available to homeowners, renters, and commercial property owners/renters. Coverage for your building and contents is available at competitive prices.

Worker’s Compensation Insurance

Even if you have only one employee, State of Oregon law requires employers to have Workers Comp coverage. If a job-related accident happens that results in injuries, disabilities, or even the death of an employee — regardless of whose fault it was — Workers Compensation will pay for their losses. Rates for these policies are dependent on the degree of hazard that each occupation carries. Each occupation is coded and defined by state laws.

Bonds

Did the state of Oregon’s new surety bonds requirements affect your business? Or are you shopping around for a better rate for your existing bond. No matter what you're looking for American Insurance Agency has OVER 20 DIFFERANT surety bond companies to shop from, to meet all your needs.

Here is a list of some of the types of surety bonds that we carry if you don’t see a certain type of bond here call us or fill out the quote from and we will get in touch with you.

  • Bid Bonds
  • Performance Bonds
  • Prepayment Bonds
  • Retention Bonds