AOR Insurance is here to help you navigate your Commercial Insurance needs.
AOR Insurance along with Sihle Insurance Group have put together a fully comprehensive Commercial Insurance Plan best suited to our commercial and industrial clients.
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.
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
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 The Complete Range For all your Industrial and Commercial Needs.
- Automobile Dealerships
- Condo & Homeowners Associations
- Church / School Programs
- Distributors & Wholesalers
- Energy Propane/Petroleum
- Entertainment Amusements
- Golf Courses and Country Clubs
- Errors and Omissions
- Lumber & Hardware
- PEO / Staffing
- Restaurants & Bars
- Retailers/Small Business
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
- 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
- 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