Umbrella Insurance is extra liability insurance that goes above and beyond the limits of the insured’s property, vehicle, business, or watercraft insurance. It can protect you against some lawsuits not covered by your other insurance policies. One example would be if you were sued over an accident involving a boat that you rented while vacationing in Europe. It also provides coverage for some claims that may be excluded by other liability policies including, but not limited to: false arrest, libel, slander, and liability coverage on any rental units that you may own.

The more that your assets increase or the more income that you accrue, the more likely it is that you would benefit from an umbrella insurance policy. If you are concerned about losing assets or income or being involved in a lawsuit, call or email Alliances Insurance Agency, LLC today and we can help you find the right coverage for your needs.

There are many money saving discounts that are available if you are already have other insurance policies with Alliances Insurance Agency, LLC. The cost of an umbrella policy depends on how much underlying insurance you have and the kind of risk you represent. The greater the underlying liability coverage, the less expensive the policy will be since you would be less likely to need the additional insurance. An umbrella policy is the absolute best buy in the insurance business. It can cost as little as $150 to $200 for the first $1 million of coverage, then about $100 for each additional $1 million.

A Surety Bond ensures contract completion in the event of contractor default. Whether you are a contractor looking for a complex bid bind or a business owner in need of a simple license and permit bond, Alliances Insurance Agency, LLC is here to help. We know that you cannot conduct business or win the job without the backing of a solid surety bond. That’s why we work with only the most reputable and trustworthy surety providers. We partner with only the best sureties to give you outstanding products supported by value-added services to contractors and businesses. Talk to an Alliances Insurance Agency, LLC agent today about protecting your assets with financial backups for promises made by others.

Workers Compensation Coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. In most cases, this coverage can also protect an employer from being sued by an injured worker.

Alliances Insurance Agency, LLC can help your business find complete solutions to your unique workers compensation insurance needs. We will find solutions to create safer and more productive workplaces, more confident and secure workers and overall savings that you will see on the bottom line.

Alliances Insurance Agency, LLC also offers “pay-as-you-go” billing options which enable insureds to pay for their workers comp premiums based on actual exposure. So, essentially, the insured pays what they owe when they owe it. This improves cash-flow, reduces or eliminates end of term audits, and provides the ease of electronic billing. Contact us today at (267) 614-4234 regarding your workers compensation coverage.

Business auto insurance, also known as commercial auto insurance, can cover a combination of vehicle types (cars, trucks, etc.) and drivers, as well as some types of motorized equipment. It can also provide coverage for bodily injury liability and property damage while operating a company automobile, medical payment, personal injury protection (PIP), for the driver and passengers of the policyholder’s car, Injury or damage to someone else are also covered.

Are you renting cars or are employees using their own vehicles? We offer Hired/Non-Owned Auto Liabilty. This particular policy provides coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle. This coverage can be inexpensively added to a business auto policy, or, in some cases, to a general liability policy. Speak with Alliances Insurance Agency, LLC today to find out how to get the best commercial auto insurance, service, price, and value.

Commercial Property Insurance is one of the most common types of business insurance. It provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, natural and man-made disasters are all examples of what is typically covered.

A basic commercial property insurance policy may be all that you need, although the types of coverage can vary between different insurance companies. As an independent agency, Alliances Insurance Agency, LLC can help you determine the type of insurance policy and the range of coverage that is best for your business. Call us today to protect your business.

General Liability Insurance, also known as Commercial Liability Insurance, is a broad commercial insurance policy that covers general liability exposures of a business. Essentially, it is an insurance policy that pays for businesses legal expenses when it is sued by non-employees. Lawsuits covered by General Liability Insurance usually include, but are not limited to the following: property damage, bodily injury, slip-and-fall accidents, libel and slander, copyright infringement, and product liability. Ask an agent from Alliances Insurance Agency, LLC today about our General Liability Insurance.

As a business owner, you strive to make decisions that are right for your business, your employees, and yourself.  You know that you need excellent coverage. However, you do not have the time to become an expert in business insurance because you have a business to run and many other important decisions to make.  So, make the first and the best decision by asking an Alliances Insurance Agency, LLC agent about a Business Owners Policy (BOP).  This policy combines property, liability, and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately.

Alliances Insurance Agency, LLC can help you find the right policy to meet your individual business needs. Perhaps you need General Liability Coverage that includes operations. Or, you need to add Business Auto Coverage or Commercial Property Insurance. Whether you are a home-based business, small service provider, or a contractor, Alliances Insurance Agency, LLC will be there to meet all of your specific insurance needs. Contact us Today at (267)614-4234.

Almost anywhere it rains, it can flood. In the United States, floods are the number 1 natural disaster. Even if you live in an area that you think is not at risk, preparation is just as critical as it is with other types of emergencies. In fact, over 20% of all National Flood Insurance Program flood insurance claims are from people outside of mapped high-risk flood areas.

It is important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that we at Alliances Insurance Agency, LLC can discuss with you. Call or contact us today for more information.

There are many inexpensive insurance options that make sense for renters. For a low monthly payment, you can protect all of your earthly possessions- even when you are not at home! If you have another policy, such as auto insurance, we can bundle them together for additional savings. There may also be additional discounts such as burglar alarm credits as well. Ask an Alliances Insurance Agency, LLC agent today for more information.
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Renting Your Home? Rental property is a great investment, especially if you protect your assets with excellent coverage. Ask an Alliances Insurance Agency, LLC agent today about how to protect yourself with Landlord Protection Liability Insurance. This type of policy gives you choices when purchasing the insurance coverage that you need. Landlord protection liability insurance options protect you and/or your spouse against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander. As a landlord, you want insurance that is tailored specifically to protect you and your rental properties