Specialized Insurance Products New Jersey
Protection for EVERY Business
While most captive insurance agencies are limited in the breadth of coverage they can offer businesses, American Insurance is not. As an independent insurance agency, we have access to many, many insurance carriers that specialize in serving the needs of businesses. Equally important is our relationship with multiple specialty insurance providers. These specialty insurers are proficient at delivering solid coverage for those hard-to-insure risks many businesses face.
Specialty Insurance: One size does NOT fit all
You’ve worked hard to develop a business and protecting your investment isn’t an option: it’s an absolute necessity. That’s not a problem for typical mainstream businesses. However, when your commercial endeavor faces risks beyond traditional businesses, you need a company who can reach beyond traditional coverage solutions.
Diversity: The coverage you need, whenever you need it, whatever the risk.
American Insurance can deliver the right insurance coverage for all your Specialty Insurance needs.
Below is a list of only a few industries we offer specialized insurance for:
o Be extremely diligent when choosing childcare insurance. Far too many care providers have discovered far too late that the policy they chose failed to deliver basic general liability coverage for a variety of concerns. American Insurance offers a comprehensive program of protection that addresses a wide spectrum of risks, including:
- Abuse, Molestation Coverage (can include Directors and Teachers)
- Medical Payment Coverage(primary coverage for children at daycare and nursery schools)
- Professional Liability
- Workers Compensation Insurance
- Hired & Non-Owned Auto Liability
- Defense Reimbursement Coverage
o Bulk goods stacked on pallets, crates full of merchandise and cargo that was packed and processed by people you’ve never met, requiring the use of heavy forklifts and cranes: that’s a recipe for potential lawsuits. Wholesalers face serious risks that require serious, comprehensive liability and commercial coverage. American Insurance has you covered, and your risk assessment specialists can suggest coverage for the obvious risks…and point out risks that you may not have considered.
o From loss of income due to equipment failure to misprints resulting in financial duress for clients, the printing industry faces some very specific risks that require very specific attention. American Insurance offers printers insurance policies that provide comprehensive coverage for book printers, typesetters, bookbinding professionals and printing business owners. Coverage includes but is not limited to:
- Business Income
- Equipment Breakdown
- Excess Liability Coverage
- Employment Practices Liability
- Printers Error and Omissions
- And so much more.
o Whether you brew, distill, sell or serve alcohol, you’re aware of the tremendous liability exposure. Your customer’s use of your product places you at risk, even when that usage is outside the confines of your establishment. American Insurance delivers solid protection with solutions that include:
- Assault & Battery Claims
- Employee Inclusion
- Legal Defense Costs
o Those factors that contribute to a delightful dining experience each carry a risk of liability exposure that could negatively impact the success of your establishment. From food quality to dining room and kitchen cleanliness, restaurants face unique risks. American Insurance is uniquely situated to provide the general and specialized restaurant liability insurance you need to manage your risks, such as:
- General Liability Coverage
- Liquor Liability Coverage
- Workers Compensation Insurance
- Food Contamination Insurance
o Garages and garage keepers work hard to develop the trust of their customers, but even the best technicians face liability exposure. American Insurance specializes in providing strong coverage that protects garages and garage keepers, offering incentives to qualified candidates that lower premiums, eliminate audits and deliver comprehensive coverage. You get fair, reasonable settlements, full coverage of legal fees and significant injury award coverage from financially strong and customer-focused carriers with American Insurance.
WE HAVE PLANS FOR MOST TYPES OF BUSINESSES. IF YOU DON’T SEE YOUR INDUSTRY HERE, CONTACT US.
NEW JERSEY TRUSTS AMERICAN INSURANCE