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Comprehensive Insurance Solutions for Your

Minimize risks, maximize confidence with solutions built for your needs, allowing you to focus on running and growing your business.

97%

satisfaction rate

24/7

support

45

years of experience

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Commercial Insurance

Construction

Errors & Omissions

Lumber & Hardware

Equipment Rental

Manufacturing

Wholesale/Hospitality

Healthcare

Real Estate

Retail

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Tailored Protection for Every Business Need

Tailored Risk Assesments

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Comprehensive Coverage Plans

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Expert Claims Support

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Flexible Policy Options

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Learn More

The AOR Approach

Partnering with an AOR Agent means more than just competing for a market bid. We provide a fully comprehensive risk profile tailored to your business.

Beyond reviewing your premiums, retained losses, and administrative costs, we dive deep into your operational risks, assess your risk management strategy, and evaluate your coverage needs.

Our goal is to give you a complete understanding of your risk exposure and how we can support you.

That's the AOR Advantage.
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We let our numbers

construction industry

captive insurance program

$800k

saved

assisted living industry

property and general liability coverage

$251k

saved

apparel distributor industry

comprehensive global insurance plan

$250k

saved

real estate industry

leveraging multiple brokers

$245k

saved

manufacturing industry

comprehensive global coverage

$50k

saved

do the talking

Discover the AOR Difference

Experience insurance the way it should be—simple, personalized, and built around your business needs.

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Customized Solutions

Coverage designed specifically for your business needs.

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Fast & Easy Service

Get the coverage you need without the hassle.

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Expert Advisors

Dedicated professionals guiding your insurance journey.

Our work speaks for itself

James H.

Switching to AOR was the best decision I’ve made for my company. They took the time to understand our unique needs and found a policy that not only saved us money but also provided better coverage.

Rick M.

AOR Insurance made the process of getting coverage for my small business so easy and stress-free! Their team was incredibly knowledgeable and walked me through every step, ensuring I got the best policy for my needs.

Rebecca S.

They helped me navigate the complexities of equipment rental insurance like pros. I appreciated how they broke everything down into simple terms and answered all my questions patiently.

Lewis M.

I’ve worked with other insurance agencies in the past, but none compare to the exceptional service I received at AOR Insurance. They went above and beyond to ensure I was completely covered and felt secure in my choice.

Travis S.

As a new business owner, I was overwhelmed by the idea of finding the right insurance. Michael not only found the perfect policy for me but also took the time to explain the coverage in detail.

Emma G.

The team at AOR Insurance is fantastic! They’re always responsive and take the time to ensure I fully understand my policy. I’ve never felt more confident about my coverage.

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Get Your Free Comprehensive Risk Profile

Ready to take control of your business’s future? Discover hidden risks and gain peace of mind with a personalized, no-obligation risk profile tailored to your unique needs. Our experts will assess your coverage, pinpoint areas of improvement, and provide actionable insights—all for free. Fill out the form below to get started and secure the protection your business deserves.

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Questions? We have answers

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What insurance protection does a business like ours need?

The type of insurance protection your business needs depends on your industry, operations, and risks. Common coverages include general liability, property insurance, workers' compensation, and specialized policies like equipment or professional liability. We’ll work with you to tailor coverage to your unique requirements.

What can we do to reduce our commercial insurance costs?

You can reduce your insurance costs by implementing strong risk management practices, maintaining a safe work environment, bundling policies, increasing deductibles, and regularly reviewing your coverage. We can provide guidance on strategies that best fit your business.

Can we self-insure any lines of insurance?

Yes, self-insurance may be an option for certain lines of insurance, such as workers’ compensation or health benefits, if your business has the financial resources and risk management expertise to handle claims internally. We can help assess if this is a viable option for you.

What is a Captive Insurance Program? How does it work?

A Captive Insurance Program is an alternative form of risk management where a business creates its own insurance company to cover its risks. This allows more control over premiums, claims, and investments. Captives are often used by businesses with unique or large risks.

What is the difference between a Claims Made insurance policy and an Occurrence Made policy?

A Claims Made policy covers claims reported during the policy period, regardless of when the incident occurred. An Occurrence Made policy covers incidents that happen during the policy period, even if the claim is reported later. Choosing the right one depends on your business’s needs and risks.

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The Partner Advantage

AOR Insurance partnered with Sihle Insurance Group as a way to service large scale clients in a personalized way.Utilizing the back offices of a larger brokerage firm allows AOR Insurance the ability to broker national accounts and scale down our services for smaller clients.

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