Commercial Insurance Services

Why Choose Us for Your Commercial Insurance Policy!

AOR Insurance is here to help you navigate your Commercial Insurance needs.

General Liability

The Commercial General Liability Policy from AOR provides the insurance protection you need to pay damages for bodily injury or property damages for which your business is legally responsible.

The policy provides coverage for liability arising from personal injury as well as medical expenses.

Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured and the employees of the named insured.

Professional Liability

The nature of negligence of Errors & Omissions Insurance claims makes them very expensive to defend. Even if the claim has no basis in fact, it must be investigated and the professional who has been sued must be defended. The legal fees alone can be extremely high and if a settlement is obtained or a judgment awarded, financial hardship is likely.

In general, E&O or Professional Liability Insurance is necessary if:

You provide a professional service for a fee
You regularly advise clients
It is specifically requested by the client as a condition of a contract

Commercial Insurance Highlights

What is Commercial Insurance?

Commercial insurance offers protection for businesses and corporations against risk that might be encountered in the course of business operations. A commercial insurance plan may cover a wide array of needs specific to your company or industry, including property, employees and management as well as general and professional liability.

AOR Insurance along with Sihle Insurance Group have put together a fully comprehensive Commercial Insurance Plan best suited to our commercial and industrial clients.

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Property Insurance

Let us help ensure you safeguard your assets by customizing the right property insurance for your needs and your budget.

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Workers Compensation

Provide your employees with the necessary workers compensation insurance they need to ensure their safety on the job, in the car, or out on business.

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Business Auto

For peace of mind, protect your vehicles and employees with a quality business auto insurance policy.

Flood

Your business is important to you. And at times, the weather in Florida can be brutal. Flash floods and overflow can cause serious damage to your property and assets. Shouldn’t you make sure you’re protected?

Group Health Insurance

From consulting, to account management, brokerage, risk management, claims and underwriting, AOR Insurance is here to help you navigate Employee Benefits Plans that will fit you and your employee’s needs.

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Medical

Plans can vary from co-pays for all services to high-deductible plans, which have the employee share in the first dollar costs of their health care until they reach their maximum out of pocket expense and the insurance carrier takes over 100% of the claims.

Dental

Picking the right dental coverage for your employees can be a difficult decision. Sihle Insurance Group’s years of experience and expertise can help you make the right choice. Choose from flexible benefit schedules with a variety of different deductibles, coinsurance, and annual benefit maximums.

Disability

Disability income insurance, which complements health insurance, can replace lost income.

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD) and when layered properly can provide peace of mind when you need it most.

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Life

The need for life insurance can vary between replacing the breadwinner’s income and paying for final expenses to creating a legacy for your family and a source of additional income for the insured. There are different types of life insurance plans available depending on your specific needs.

Crime Insurance Highlights

Protects companies from the criminal actions of employees, customers, or thieves.

Coverage typically protects against what are often called “white-collar” crimes such as:

Employee Dishonesty
Fraud, including Computer or Funds/Wire Transfer Fraud
Theft or physical property and/or money and securities
Forgery or Alterations

outdoor business meeting between two professionals

Umbrella

An Umbrella Insurance Policy covers everything a routine liability insurance policy would cover, but at higher coverage limits, typically in the $1 million to $5 million range.

Examples:
Injuries
Property damage
Lawsuits
Attorney’s Fees
Personal Liability
Business Liability
Lost Wage

Builder's Risk

No construction project is the same and no Builder’s Risk policy should be either. We work with a variety of different insurance carriers to provide you with the most options and comprehensive Florida insurance coverage solutions possible

Equipment

Protection against equipment failure due to power loss or surges, accidents, breakdowns, and even rental equipment to keep your business up and running when the unexpected happens.

Garage Liability

Garage keepers, service stations, and towing companies have a different level of risk and liability, and need additional assistance protecting customer’s property if your business if broken into or suffers a fire. Let us help you design a policy specific to your needs.

Inland/Ocean Marine

Products, tools and equipment, vessels, cargo, and personal property are just some examples of items that can be protected by Inland/Ocean Marine insurance. This type of Florida insurance product helps protect your finances from the cost of damages that may result from accidents, theft, vandalism, or total loss.

Directors & Officers Liability

Coverage includes defense costs, and damage awards or settlements that result from a lawsuit brought against an individual officer or organization’s board. In most cases, investors and the individuals serving on the board will require an organization to have D&O insurance as a protective measure.

D&O Insurance is not the same as E&O (Errors and Omissions) Insurance, which is more individual in nature, protecting a specific employee and/or business against claims and lawsuits as a result of products, services, or advice delivered. D&O Insurance protects against claims resulting from the performance and duties of the executive officers.

Employment Practices Liability

This type of business liability insurance protects companies if employees file a lawsuit alleging that their legal rights have been violated. Unfortunately, these types of lawsuits are always on the rise and companies large and small are faced with defending themselves.

EPLI policies reimburse employers for the legal costs of defending a lawsuit as well as any judgments or settlements awarded. They typically do not cover Worker’s Compensation cases or pay for punitive damages, civil or criminal fines. In some cases, you may be able to add EPLI as part of your Business Insurance policy, but in other cases you might be better off adding EPLI as a stand-alone policy.

Performance Where You Need It!

We Have a Complete Range of Commercial Insurance Policies for all your Industrial and Business Needs.

Agriculture
Automobile Dealerships
Condo & Homeowners Associations
Construction
Church / School Programs

Distributors & Wholesalers
Energy Propane/Petroleum
Entertainment Amusements
Environmental
Golf Courses and Country Clubs
Errors and Omissions

Healthcare
Hospitality
Manufacturers
Municipalities
Non-Profits
Lumber & Hardware

PEO / Staffing
Restaurants & Bars
Retailers/Small Business
Technology
Trucking
Towing

Bonds

Commercial Surety Bonds

Contractor License & Permit Bonds
Utility Deposit Bonds
Court Bonds
Dealer in Agricultural Products Bonds
Financially Responsible Officer Bonds
Title Agent Bonds
Mortgage Broker Bonds
Seller of Travel Bonds

Fidelity Bonds

Business Services Bond protects you from theft by your employees from your clients.
Blanket Fidelity Bond provides coverage for you for theft from you by your employees or others.

Yacht Broker Bonds

Yacht Salesperson Bonds $10,000
Yacht Broker Bonds $25,000

Contract Bonds

Bid Bonds
Payment Bonds
Performance Bonds
Maintenance Bonds
Fast Track Program: this is a specially designed program with limited paperwork for bonds $250,000 or less

One Signature to Safety

Commercial Insurance Plans