"Casa Grande Arizona Business Insurance Search
Engine"
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Understanding Small Business
Insurance
Understanding Small Business
Insurance
If you're a startup small business
owner or an executive of an established
corporation, understanding business
insurance and how it protects your
business can seem overwhelming. It
doesn’t have to be, that's why Casa Grande Business Insurance Quotes is here to
assist you in the pursuit of the right
insurance and the right price. Coverage
options are available to protect almost
every aspect of your business from
employee injury to property damage to
liability. Some business insurance is
required by law and others by business
associates, such as landlords and
lenders. The best option is to protect
yourself and your business immediately
using one of our trusted business
insurance partners.
Basic Coverage Options to
Consider
- Property Insurance covers repairs
or replacements for damaged physical
property when there are claims due to
theft, fire, weather, or other covered
losses.
- Business Liability Insurance or
commercial general liability (CGL)
insurance protects your business should
injury or property damage occur to
others as a result of your business
operations.
- Workers' Compensation Insurance is
a form of insurance providing wages and
medical benefits to employees injured
in the course of employment duties in
exchange for mandatory relinquishment
of the employee's right to sue his or
her employer for negligence.
- Business Auto Insurance can protect
your business from liability, personal
injury/medical, comprehensive, and
collision coverage claims and
more.
- Business Crime Insurance is
intended to reduce loss exposures from
criminal acts such as burglary, robbery
and other forms of theft. Sometimes
referred to as "fidelity insurance",
many businesses purchase this insurance
that allows them to file claims for
employee theft or other crimes that may
cause financial ruin for small
businesses.
Additional Insurance
Coverage’s to Consider
- Employment Practices Liability can
cover your business if discrimination,
sexual harassment or wrongful
termination claims are made by present,
former or future employees.
- Life Insurance for Business Owners
can help you plan for business
succession, survive the loss of a key
employee or partner and retain/reward
your top people.
- Retirement and Benefits for
Business Owners can secure your
financial future and that of your
employees.
- Umbrella can shield your business
from potentially ruinous lawsuits with
additional liability coverage.
- Transportation and Cargo to cover
against goods that are damaged or lost
when transported by one of your
vehicles or common contract
carriers.
- Spoilage for perishable goods when
they spoil due to a mechanical
breakdown or power outage.
- Delivery/Catering Non-Owned Auto if
an employee is involved in an auto
accident while driving a personal
automobile on company business, such as
in a delivery or catering service.
Things to Remember for your
existing Business Insurance
Policy
Protecting your business and business
assets was one of the best choices
you've made in the past. However,
coverage needs change over time; your
business has specific needs and
reviewing your policy makes certain
your coverage options continue to fully
protect your company, executives,
employees and assets. Insurance
policies for most small business owners
are commonly referred to as a "BOP" or
Business Owners Policy.
Specific Business Insurance Coverage’s
for Certain Types of
Business
Casa Grande Apartment Business
Insurance - For Apartment
Building Owners and typically includes
Comprehensive Liability, Structure
Coverage, Loss of Income, Ordinance and
Law Coverage, Equipment Breakdown, Data
Breach and even Identity Theft Coverage
for the owners.
Auto Service and Repair
Business Insurance - Auto Body
Shops, Transmission Shops, Oil Change
Shops and more. Look for coverage’s
that include Income Protection,
Business Property and Outdoor Sign
Coverage, Medical Payments, as well as
Commercial Liability Coverage.
Commercial Real Estate
Insurance - Targeted coverage
for such business properties as Office
Buildings, Shopping Centers, Shopping
Malls and Industrial Buildings.
Coverage's may include Business
Property, Business Income, Tenant
Relocation Expenses due to Fire,
Windstorm, or other hazards, and
Building Ordinance Coverage.
Insurance for Educational &
Non-Profit - A major concern
for non-profit entities and
organizations is Liability Insurance.
These types of organizations include
501(c)(3), Museums, Civic Groups,
Schools and others. Specialized
insurance coverage’s include;
Commercial General Liability, Directors
& Officers Liability, Umbrella
Liability, Improper Sexual Conduct
Liability, Business Auto Liability,
Social Service Professional Liability,
Employee Benefits Liability,
Non-Owned/Hired Auto Liability,
Employee Dishonesty, Commercial
Property and Participant / Volunteer
Accident.
Independent Construction
Contractor Insurance - House
Cleaners, Plumbers, Carpenters,
Electricians, Landscapers, Painters,
Hair Salons and more. Coverage’s to
consider are Errors & Omissions,
Product Liability, Medical &
Disability as well as Bodily Injury and
Property Damage.
Hospitality Industry
Insurance - For Bed &
Breakfasts, Hotels and Motels.
Coverage’s available include: Property
Coverage (Replacement Cost, Special
Form, Blanket, Agreed Amount, Household
Personal Property, GOIP Plus Extension,
Business Income & Extra Expense),
General Liability (including Personal
Liability), Liquor Liability, Crime,
Automobile (Commercial/Service vehicles
only) or Excess Limits of Liability
Insurance.
Residential Community Insurance
or Homeowner Association
Insurance - Insurance coverage
is customizable and comprehensive.
Consider insuring your Casa Grande HOA with
Building Coverage, Directors and
Officers Liability Coverage,
Comprehensive General Liability,
Employee Dishonesty and others.
Manufacturing Business
Insurance or Factory Insurance
- Product, Business Property, Liability
Insurance, Food, Commercial Printing,
Equipment, Workers Compensation, and
more.
Professional Services
Insurance - For Medical,
Veterinary, Attorneys and other
Business Professional Service providers
is called Professional Indemnity
Insurance (PII) or Professional
Liability Insurance (PLI) yet more
commonly known as Errors &
Omissions (E&O).
Religious Organization
Insurance or Insurance for
Church - Religious
Organizations need specialty insurance
coverage for all types of potential
liability and loss. Liability coverage
may include General Liability, Personal
Injury, Abuse & Molestation
Coverage, Additional Insured
(Volunteers & Church Members) and
others. This type of insurance usually
includes coverage for General Property,
Auto Coverage (vans and buses are
usually acceptable), and Crime &
Fidelity Insurance Coverage.
Restaurant Insurance -
Fine Dining, Fast Food and Casual
Restaurants. Typical restaurant
insurance policies might include
coverage’s for General Liability
Insurance, Worker’s Comp Insurance,
Property, Identity Theft Insurance,
Valuable Papers Coverage and Loss of
Income Insurance.
Retail Store Insurance
- Convenience Store, Salons, Dry
Cleaners, Boutiques, etc. Consider
these coverage’s; Property Insurance,
Bodily Injury Liability (BI), Property
Damage Liability (PD), Product
Liability, Business Income Insurance,
Crime Coverage and Medical Coverage (if
someone is injured at your
business).
Wholesale Insurance -
Specialized coverage like General
Liability Insurance, Property
Insurance, Umbrella Insurance / Excess
Liability Insurance, Workers'
Compensation Insurance and Commercial
Auto Insurance.
Commercial Auto
Insurance Coverage Options
- Bodily Injury Liability
Coverage: Pays damages due
to bodily injury to others for which
you are responsible. If you are sued,
it also pays your defense and court
costs.
- Property Damage Liability
Coverage: Pays damages due
to property damage to others for
which you are responsible. If you are
sued, it also pays your defense and
court costs.
- Personal Injury/Medical
Payments Coverage: Usually
pays medical and funeral expenses for
bodily injury to a covered person
sustained in an accident in your
auto.
- Collision
Coverage: Pays for a covered
auto that is damaged by collision
with another object or by upset.
- Comprehensive
Coverage: Pays for a covered
auto that is stolen or damaged by
causes other than collision or
upset.
- Uninsured/Underinsured
Motorist Coverage: Pays for
injuries, and in some circumstances
property damage, when you are
involved in an accident with another
person who is uninsured or whose
available limits are less than the
limits you chose to carry for this
coverage. You'd be surprised how many
people only carry minimum limits.
Would you like to have the same
coverage for yourself that you are
providing the other person?
- What amount of a covered
loss are you willing to pay?
The deductible is the portion of a
covered loss that is your
responsibility. For example, if you
had a $500 deductible, you would need
to pay $500 of the covered loss.
- How high should your
liability coverage limits
be? No one can predict
exactly how much you would have to
pay if you were to cause an accident.
Ask yourself how you would pay for
any damages exceeding your coverage
limits. The higher the limits on your
commercial auto insurance, the more
likely your policy will be able to
pay all of the damages.
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National Insurance Companies
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American Family Insurance was
started in October 1927 to provide affordable
auto insurance rates to Wisconsin farmers. The
company became American Family Mutual Insurance
Company in 1963 and serviced a much broader
customer base. The currently operate in 18 states
including Arizona and offer a large number of
insurance products including Auto, Home, Life and
Renters Insurance among others.
American Family Mutual Insurance Company
AM Best Rating: A (Excellent) |
Allstate Insurance was founded
in 1931 as part of Sears, Roebuck & Co. and
became a publicly traded company in 1993.
Allstate sells auto, property and life insurance,
as well as other lines including financial
services products. They have approximately 14,900
exclusive insurance agents and financial
representatives, in the U.S. and Canada. Based in
Northbrook, IL, Allstate is one of the largest
insurers in urban areas.
Allstate Insurance Company
AM Best Rating: A+ (Superior) |
Farm Bureau was founded in 1919.
A small group of farmers from 30 states gathered
in Chicago and founded the American Farm Bureau
Federation, which soon became the voice of
agriculture to most of the nation. From this
federation grew Farm Bureau Financial Services
and for the last 65 years they have been
providing property and casualty insurance, along
with financial services to a wide scope of people
throughout the country. They have expanded their
success from rural American to the suburban and
metropolitan areas as well. Farm Bureau in
Arizona also underwrites with Western
Agricultural Insurance Company.
Farm Bureau Mutual Insurance Company
AM Best Rating: A (Excellent) |
Liberty Mutual was founded in
1912. They opened their first office in
Springfield, Massachusetts. They provide personal
lines insurance, such as car insurance, property
insurance, personal liability, renters and life
insurance as well as many other lines of
insurance and financial services. Liberty Mutual
Insurance has had a 90 year mission of "helping
people live safer, more secure lives," Their core
values include Integrity, Dignity and Respect,
with Superior Products and Services.
Liberty Mutual Insurance Company
AM Best Rating: A (Excellent) |
MetLife Auto & Home
Insurance is a subsidiary of
Metropolitan Life Insurance Company, the largest
life insurance company in the U.S. MetLife was
founded in 1863 providing disability protection
for Civil War soldiers. Today, they offer
insurance products for Arizona residents to
protect their home, auto, personal property and
life. MetLife Auto & Home was also the first
national insurer to provide Identity Theft
Protection Services at no additional charge. They
also offer Guaranteed Replacement on your
homeowners insurance.
Metropolitan Casualty Insurance Company
AM Best Rating: A (Excellent) |
Nationwide provides a full range
of insurance products and financial services for
your home, car, family and financial security.
Started in 1935, the company incorporated the
Farm Bureau Mutual Automobile Insurance Company
and by 1943 was operating in 12 states. In 1955,
the company added 20 more western states and
changed its name to Nationwide Insurance. Today
with more than $161 billion in statutory assets,
Nationwide is one of the largest insurance and
financial services companies in the world.
Nationwide Insurance Company of America
AM Best Rating: A+ (Superior) |
Sentry Insurance was founded in
1904 by members of the Wisconsin Retail Hardware
Association to provide quality insurance for its
members. Today, Sentry is one of the largest and
strongest mutual insurance companies in the
United States offering a full line of insurance
coverage's. Headquartered in Stevens Point,
Wisconsin, Sentry has assets of $10 billion and a
policyholder surplus of $2.81 billion. Captain
John Parker, our corporate symbol, represents the
commitment that Sentry has honored since 1904:
Strength, Protection and Vigilance.
Sentry Insurance Group
AM Best Rating: A+ (Superior) |
USAA Insurance began with humble
beginnings in 1922, when 25 Army officers met in
San Antonio and decided to insure each other's
vehicles; they could not have imagined that their
tiny organization would one day serve 7.2 million
members. While membership is reserved for active,
retired and honorably separated officers and
enlisted personnel of the U.S. military, the
company is growing into one of the largest
insurance companies in America. They also offer
services to officer candidates in commissioning
programs (Academy, ROTC, OCS/OTS), adult children
of USAA members who have or had a USAA auto or
property insurance policy, and widows and
widowers of USAA members who have or had a USAA
auto or property insurance policy
USAA Casualty Insurance Company
AM Best Rating: A++ (Superior) |
An Undisclosed Insurance was founded in
1907 by A.T. Vigneron in Rhode Island. Amica is
an acronym for the Automobile Mutual Insurance
Company of America. While auto insurance was the
primary insurance line for Amica in the early
century, they adopted homeowner's insurance in
the 1950's. In 1968 the company branched further
and created the Amica Life Insurance Company.
An Undisclosed Insurance has over 3,000 employees and has
a long time focus on providing efficient and
respectful service. Amica ranked “Highest in
Customer Satisfaction Among National Auto
Insurers, 10 Years in a Row” and “Highest in
Customer Satisfaction Among National Homeowner
Insurers, Eight Years in a Row.”
Amica Property & Casualty Insurance Co
AM Best Rating: A++ (Superior) |
Hartford Insurance has been
around for over 200 years. It was founded in
1810, as the Hartford Fire Insurance Company.
Some historical customers of the Hartford
Insurance company include General Robert E. Lee,
Williams Cody a.k.a. "Buffalo Bill", Babe Ruth,
and Presidents Abraham Lincoln and Dwight D.
Eisenhower. In 1984 Hartford Insurance contracts
with AARP to provide auto and homeowners
insurance to it's members. The Hartford is a
leading provider of life insurance, group and
employee benefits, automobile and homeowners
insurance and business insurance and serves
millions of customers around the world
today.
Hartford Casualty Insurance Company
AM Best Rating: A (Excellent) |
Safeco Insurance was started in
1923 by visionary Hawthorne K. Dent by founding
under the name The General Insurance Company of
America Corporation. In 1953, the company began
looking for new ways to compete with direct
insurance writers. The answer was computer
automation tools. These became the hallmark of
the company’s new business: Selective Auto and
Fire Insurance Company of America, or Safeco. The
company also took center stage nationwide in
1998, when it purchased the naming rights to the
Seattle Mariners ballpark. In 2004, the company
sold its life and investments operations,
shifting the company's full attention to property
and casualty insurance.
Safeco Insurance Company of America
AM Best Rating: A (Excellent) |
Progressive started in 1937 by
Joseph Lewis and Jack Green. In 1956, Progressive
Casualty Company was formed to write auto
insurance for high-risk drivers. More growth and
expansion in the 1960s brought about the
formation of The Progressive Corporation.
Progressive insurance became a public company in
1971. Progressive is recognized as the largest
seller of auto insurance through independent
insurance agents. The company also offers
insurance quotes, policies and customer service
through Progressive Direct. Today the company
offers concierge claims service which reduces the
time drivers spend managing repairs from about
four days to 15 minutes.
Progressive Casualty Insurance Company
AM Best Rating: A+ (Superior) |
Chubb Insurance began in the spring of
1882, Thomas Caldecot Chubb and his son Percy
opened their marine underwriting business in the
seaport district of New York City. Having
collected $1,000 from each of 100 prominent
merchants to start their venture, they focused on
insuring ships and cargoes. By the turn of the
century, Chubb had established strong
relationships with the insurance agents and
brokers who placed their clients’ business with
Chubb underwriters and the original subscribers
enjoyed a substantial return on their investment
in the young company. With approximately 10,600
employees throughout North America, Europe, South
America, and the Pacific Rim, Chubb serves
property and casualty customers from some 120
offices in 28 countries around the globe. Chubb
works with 8,500 independent agents and
brokers worldwide.
Chubb Indemnity Insurance Company
AM Best Rating: A++ (Superior) |
Mercury Insurance first opened
its doors in 1962 and provides comprehensive
coverage options ranging from personal auto
insurance to homeowners insurance to mechanical
breakdown protection. Dedicated managers and
enthusiastic employees work hand-in-hand with
their network of independent agents to make
Mercury one of the fastest-growing auto insurers
in the nation and the leading insurer in
California. Mercury Insurance Company provides
low rates, excellent coverage and a local agent
who’s there every step of the way. They feel
that’s what sets them apart from their
competitors. And that’s what makes them the
obvious choice when it comes to insurance.
Mercury Insurance Company
AM Best Rating: A+ (Superior) |
21st Century Insurance is one of
the newest major insurance companies in Arizona.
Customization and personalization are the essence
of our technology-driven, internet-connected
culture. It's how we live today. At 21st Century
Insurance they want to be the kind of insurance
provider that's "just right" for consumers in the
21st century. That's why you will hear and see
them talk about insurance that's "Just Right.
Just For You." Because the simple fact is, a lot
of people are unaware that they have the wrong
car insurance. They're here to help you "right"
that "wrong" by tailoring a car insurance policy
that's just right for you, at the right price. As
a 21st Century Insurance customer, you will
experience a level of personal service and
personalized coverage.
21st Century Insurance Company
AM Best Rating: A (Excellent) |
Esurance Insurance is one of the
newest yet fastest growing insurance companies in
the nation. Started in 1999, Esurance was bought
by the White Mountains Insurance Group. Esurance
customers can manage their policies online and
also contact our customer service center 24 hours
a day, 7 days a week. The company offers auto
insurance, homeowners insurance, renters
insurance, health insurance, life insurance and
motorcycle insurance. Esurance's mission is to be
dedicated to being the leading provider of
personal insurance products. They leverage
technology to provide a hassle-free experience
for their customers and to create significant
value for their owners.
Esurance Insurance Company
AM Best Rating: A- (Excellent) |
GMAC Insurance was founded in
1919. Initially formed to provide automotive
finance products and services to General Motors
dealers and clients, GMAC has since expanded its
business to include mortgage operations,
insurance, commercial finance and online banking.
GMAC was a wholly owned subsidiary of GM, until
2006. By 2009, the company had approximately $178
billion in assets, with 15 million customers
worldwide. GMAC provides a broad range of
insurance and insurance-related products and
services for individual consumers, as well as
automotive dealerships and other
businesses.
GMAC Insurance Group
AM Best Rating: B++ (Good) |
Travelers Insurance was a merger
of two companies. Started in 1853 as St. Paul
Fire & Marine Insurance Company by Alexander
Wilkin and 16 fellow Saint Paul, MN businessmen.
In 1964 J.G. Batterson and nine others form The
Travelers Insurance Company "for the purpose of
insuring travelers against loss of life or
personal injury while journeying by railway or
steamboat." In 1897 the company issues the first
automobile insurance policy. By 2004 The Saint
Paul and Travelers Property Casualty merge to
form St. Paul Travelers, creating a new company
with 285 years combined experience in managing
risk with integrity, innovation and
discipline.
Travelers Casualty Insurance Co of America
AM Best Rating: A+ (Superior) |
State Farm was founded in 1922
by retired farmer and insurance salesman George
Jacob "G.J." Mecherle. His motivation for
starting State Farm was simple. It was about
fairness and doing the right thing for the
customer. Today, State Farm insures more cars
than any other insurer in North America. They are
the leading U.S. home insurer. More than 17,000
agents and 68,000 employees serve over 75 million
policies in the U.S. and Canada. Among financial
services products, they offer consumers auto
insurance, home insurance, renters insurance and
life insurance.
State Farm Group
AM Best Rating: A++ (Superior) |
Geico Insurance was established
in 1936 by Leo Goodwin under the name Government
Employees Insurance Company, better known today
as GEICO. As an entrepreneur he enthusiastically
built the company catapulting it to the
juggernaut that GEICO has become today. In 1951
Warren Buffet (Berkshire Hathaway), became
involved with Geico. Since that time Geico has
grown to include over 30,000 associates and more
than 12 million policies in force. Government
Employees Insurance Company (GEICO) and its
affiliate companies (GEICO General Insurance
Company, GEICO Indemnity Company, GEICO Casualty
Company, GEICO Advantage Insurance Company, GEICO
Choice Insurance Company, and GEICO Secure
Insurance Company) enjoy high ratings in the
industry for financial strength and claims-paying
ability.
Government Employees Insurance Company
AM Best Rating: A++ (Superior) |
Berkshire Hathaway Insurance is
a conglomerate of holding companies including
Geico Auto Insurance, Berkshire Hathaway
Homestate Companies, Berkshire Hathaway Specialty
Insurance, Guard Insurance Group, United States
Liability Insurance Group and many more. These
insurance groups include coverage for personal as
well as commercial auto insurance policies,
business insurance, business liability and other
product lines.
Berkshire Hathaway Insurance Group
AM Best Rating: A++ (Superior) |
Farmers Insurance Group offers
insurance for your auto, home, motorcycle, boat,
travel trailer, motorhome, home, condo, as well
as life insurance. Farmers humble beginning
started in Los Angeles in 1928, long before
becoming a household name as one of the largest
insurance companies in the U.S. Started by John
Tyler and Thomas Leavey, the company tailored its
policies to farmers and ranchers in 1998, Farmers
Group was acquired by Zurich Financial Services.
Farmers is also the largest insurer of
Manufactured Homes under its company Foremost
Property & Casualty Insurance Company.
Additionally Farmers owns Bristol West Insurance,
and 21st Century Insurance.
Farmers Insurance Company
AM Best Rating: A (Excellent) |
AAA Auto Club Enterprises Car
Insurance was founded in 1902. It is a
little known fact that AAA was integral to the
advent of the interstate system throughout the
United States as well as the development of the
standardized octagonal shaped red "Stop Signs"
used in every state at most intersections. AAA
began providing road maps in 1905 and began its
school safety program in 1920. AAA has been at
the forefront of national traffic studies
throughout the years. AAA is a federation of
motor clubs throughout the U.S. and has over 51
million members.
Auto Club Indemnity Insurance Company
AM Best Rating: A+ (Superior) |
Erie Insurance Group provides
car insurance, homeowners insurance, life
insurance, boat insurance and business insurance
services. Established in 1925 Erie Insurance
Their approach is to "overwhelm" their customers
with fantastic service and a great value. The
company has a network of independent insurance
agents throughout the U.S. Erie insurance has
nearly 4.9 million policies and more than 330,000
life, annuity and disability income policies in
force.
Erie Insurance Group
AM Best Rating: A+ (Superior) |
Auto-Owners Insurance Group was
founded in 1916 by Vern V. Moulton in Mt.
Pleasant, Michigan. It began in just one room of
a bank building. It moved soon thereafter to
Lansing, Michigan. The Lansing corporate office
services not only Auto-Owners Insurance Company,
but its subsidiary companies: Auto-Owners Life
Insurance Company, Home-Owners Insurance Company,
Owners Insurance Company, Property-Owners
Insurance Company, and Southern-Owners Insurance
Company. The company now has over 6,200
independent agencies, selling personal and
commercial insurance lines as well as life,
health and annuities in 26 states.
Auto-Owners Insurance Group
AM Best Rating: A++ (Superior) |
Country Financial Property & Casualty
Insurance has a full line of insurance
products for consumers as well as financial
services. For more than 85 years, Country has
been protecting its customers assets and
liabilities. The company serves about 1 million
households and businesses throughout the Unites
States. Country Insurance began in 1925 with its
roots in agriculture. Today the offer competitive
rates, money-saving discounts and a variety of
auto insurance coverage's to meet their
customers specific needs. Their claims service is
among the best in the industry. Their slogan is
"You'll always get the service you deserve with
COUNTRY."
Country Financial Property & Casualty
Insurance Group
AM Best Rating: A+ (Superior) |
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