Affordable Business Insurance Solutions
When you're running a small business, the last thing you want to worry about is whether you have the right small business insurance for your company. Business insurance, which can include a wide variety of coverages, may be necessary for avoiding financial difficulties from a covered accident. Infinity Insurance Agency, Inc. (IIA) understands the unique needs of business owners, especially those who are new to the U.S. Our goal is to help you find affordable insurance for your small business that meets your specific industry’s requirements.
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What is business insurance?
A business insurance policy is typically comprised of various coverages that can help pay for specific damages that could occur during operations. Here are some common coverages that businesses may need:
General Liability Insurance
This coverage may help you avoid liability from claims of bodily injury or damage caused to a third party. Learn more about General Liability Insurance.
Commercial Auto Insurance
An auto insurance policy may involve a combination of coverages, like liability, collision, and comprehensive. Depending on your coverage, commercial auto insurance may pay for damages to your business-related vehicles in the event of a covered accident or pay for a third-party’s injuries or vehicular damage if you’re at fault for an accident.
Commercial Property Insurance
This coverage can help pay for damages to your physical assets like buildings, equipment, and inventory in the event of a covered accident.
Product liability insurance
This coverage can help businesses avoid being held financially liable from claims of injury or damage caused by products you make or sell.
Professional Liability (Errors and Omissions)
Also known as errors and omissions insurance, this coverage can help businesses avoid liability from customer dissatisfaction or harm from a service you provided. It may also cover claims of malpractice and negligence after your business performs a professional service.
Cyber liability insurance
This can help businesses avoid financial losses from data breaches, cyberattacks, or other covered digital threats.
Business Interruption Insurance
This can help pay for your business’s operating expenses or income, like mortgage, taxes, or revenue, if your business can’t open temporarily after a covered loss.
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Why choose IIA for business insurance?
At Infinity Insurance Agency, Inc., we stand out because the providers we work with can offer coverage for your business at competitive rates. We also understand the diverse challenges that business owners face, especially for new entrepreneurs who are navigating the insurance process. Here’s why choosing us for your business insurance may help you:
1 Tailored coverage for immigrant-owned businesses:
For entrepreneurs who are immigrants to the U.S., starting a business in a new country comes with challenges. At IIA, we work with providers who can offer coverage options specifically designed for businesses owned by immigrants or those new to the U.S.
2 Flexible options for businesses:
Business owners who have little credit may find the insurance process more challenging. We understand this and can help you find insurance solutions that cater to your limited credit or operational history.
3 Foreign licenses accepted:
Providers we work with accept foreign licenses for business insurance policies, which is ideal for entrepreneurs who may not have a U.S.-based driving record or who are just starting their business journey.
4 Spanish bilingual agents:
We offer bilingual services, with Spanish and English-speaking agents that can help you navigate your insurance questions.
Types of industries we serve
At IIA, we proudly serve a wide range of industries. We understand that different businesses have different risks, and each requires specialized coverage. IIA’s carriers have insurance options that may be able to help sectors like:
- Construction: Whether you're a contractor, subcontractor, or working in heavy machinery, business insurance can help you navigate certain operational risks.
- Catering: From food trucks to full-service catering businesses, providers we work with offer coverage that can help pay for damaged equipment or property.
- Landscaping: Landscapers may face challenges like equipment damage or negligence claims that business insurance may help you navigate.
- HVAC (Heating, ventilation, and air conditioning): HVAC companies face hazards related to equipment, property, and liability. Business insurance can help you avoid financial distress from a covered accident.
- Cleaning: Whether you're a small residential cleaning service or a large commercial operation, business insurance may help your business avoid financial issues.
- Plumbing: Plumbing businesses face various risks, from equipment damage to liability for accidents on job sites. Having a business insurance policy may help prevent financial losses after a covered accident.
- Painting: From residential painting jobs to large-scale projects, our providers can offer coverage for risks such as property damage or negligence claims.
FAQs
Can I get business insurance if I have little to no credit or driving history?
We work with providers that may offer flexible coverage options for businesses with limited credit or driving history.
Is it possible to get business insurance with a foreign driver’s license?
IIA’s carriers accept foreign driver's licenses for business insurance policies, which may help you find insurance without a driving history in the U.S.
Can I get business insurance if I have a history of multiple accidents or lapses in insurance?
If you have a history of repeated accidents, you can still find business insurance. Though you may be able to purchase a variety of coverages, your rates may be higher than someone who has a cleaner claims history.
What are the options for commercial auto insurance for high-risk drivers?
Commercial auto insurance is typically still available for high-risk drivers, though rates may be inflated based on a variety of factors like age, location, and accident history.
Can I customize my business insurance policy based on my industry and needs?
Yes, we can help you customize your insurance policy to meet your industry’s specific needs as well as your budget.
How quickly can I get a business insurance quote and start coverage?
With IIA, our agents can help you receive a business insurance quote. After you get your quote, agree on your coverage, and purchase a business insurance policy, your insurance will typically kick in immediately.
At Infinity Insurance Agency, Inc., we can help you navigate your small business insurance plans and what business coverages may be useful for you. Whether you're just starting out or looking for coverage for your established business, you can call us for a personalized quote at 1-855-378-4705.
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Terms and Conditions
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.