Commercial Insurance


Commercial Business Insurance

At ACHS Insurance, our flexible business policies can be tailored to meet the unique concerns that you may have for your commercial operations.

At ACHS Insurance we know just how important your business is to you. As a business owner you have a lot to protect. That’s just one of the reasons why we take the time to analyze your business needs, develop a plan that is customized and responsive to your own specific situation, and to offer you competitive pricing.

Whether you own an office building or a coffee shop, we offer the right combination of coverage to meet your needs.

Examples of commercial insurance coverage available from ACHS Insurance include:

Commercial Automobile

This coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.

Commercial Liability

Provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.

Commercial Property

Provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk policies.

Directors & Officers

Designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.

Employment Practices Liability

Provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.

Home Based Business

Homeowner’s insurance does not necessarily cover many home business-related claims. If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.

Inland Marine

Provides coverage for business assets and hardware while these items are off premises.
If you move goods or equipment from one location to another, or have an off-premises exposure, you need the special protection of Inland Marine coverage. Inland Marine can protect many types of property including property at your location, in transit, at a customer’s location, or property of others in your care. We have numerous coverage options designed to provide you with the specific protection your business needs.

Ordinance or Law Coverage

One of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers. It’s called Ordinance or Law Coverage. As your building becomes older certain changes in your county’s building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws. Simply replacing your property as it was just isn’t good enough to meet these new laws and codes. Ordinance or law coverage pays for these upgrades in building standards.

Professional Liability

Provides coverage for defense costs and awards for liability arising from improper professional practices and errors and omissions in the conduct of business activities.

Special Event Coverage

Provides third party liability coverage for a short term special event.

Umbrella and Excess Liability

This coverage complements your property/liability program and provides additional limits of coverage.

Umbrella Liability Insurance For Your Business

Umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverage. Our umbrella policies can be designed to meet your specific needs for a well-rounded business insurance program.

Workers’ Compensation

This coverage is designed to meet the workers’ compensation laws of your state. Workers’ compensation coverage provides protection for injured workers and supporting protection through employer’s liability coverage.

The companies we represent may even offer you the opportunity to package many of these coverages within a single policy.