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Fax: (516) 379-6398

Services

Business Insurance

Running a business comes with its share of risks — but with the right coverage, you can stay focused on what you do best. American Agency offers comprehensive business insurance solutions tailored to protect your operations, employees, and future growth. Whether you’re a small business owner or manage a growing company, our policies are designed to offer peace of mind.

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General Liability Insurance

Protects your business from third-party claims involving bodily injury, property damage, and advertising injury. It’s the foundation of any smart business insurance plan.

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Coverage Highlights:

  • Slip-and-fall accidents on your premises
  • Damage to a customer’s property
  • Legal defense costs

Professional Liability

Ideal for service-based businesses, this policy covers claims of negligence, misrepresentation, or failure to deliver a service as promised.

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Coverage Highlights:

  • Claims of professional errors
  • Legal fees and settlements
  • Industry-specific protection for consultants, agents, and more

Workers Compensation

Required in most states, workers comp covers medical expenses and lost wages if an employee is injured on the job.

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Coverage Highlights:

  • Medical treatment for workplace injuries
  • Wage replacement
  • Employer liability protection

Commercial Auto Insurance

If your business owns or uses vehicles, commercial auto insurance protects against accidents, theft, and liability claims.

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Coverage Highlights:

  • Vehicle damage and repair
  • Liability for bodily injury and property damage
  • Uninsured motorist coverage

Cyber Liability Insurance

Helps cover costs related to data breaches, cyberattacks, and regulatory fines. Critical for businesses that handle sensitive information.

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Coverage Highlights:

  • Data breach response and recovery
  • Notification and credit monitoring for affected individuals
  • Legal fees and public relations costs

Business Owner’s Policy (BOP)

A bundled policy that combines general liability and commercial property insurance, ideal for small to mid-sized businesses.

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Coverage Highlights:

  • Business property and inventory
  • Liability protection
  • Business interruption coverage

Employment Practices Liability Insurance (EPLI)

Protects your business from claims related to employment issues such as wrongful termination, harassment, or discrimination.

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Coverage Highlights:

  • Legal defense costs
  • Settlements or judgments
  • Claims from current, former, or potential employees

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We are dedicated to providing our customers with the best coverage at competitive rates. Just make one call to our agency, and we can shop your coverage through many top rated companies. With our professional staff, we can be your liaison with the insurance carrier in the event of a claim. We work for you, not the insurance company.

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