Business insurance
Insurance That Works as Hard as You Do
Running a business means taking risks—and managing them wisely. At Affluence Insurance Services, we provide targeted protection for business owners across all industries and sizes. From start-ups to established enterprises, we offer insurance strategies that align with your operations, growth plans, and risk tolerance. Our goal: to help you focus on your business while we handle the unexpected.
Commercial Auto
Covers vehicles used in business operations—from fleets to a single company car.
General Liability
Foundational protection against third-party injury, property damage, and legal claims.
Professional Liability
Shields your business from claims of negligence or mistakes in professional services.
Business Owner’s Policy
A bundled solution that includes general liability and property coverage—ideal for small to mid-sized businesses.
Commercial Umbrella
Extra liability coverage that adds a crucial layer of protection beyond your standard policies.
Workers Compensation
Mandatory coverage that protects your employees—and your business—when workplace injuries occur.
Additional
Business Insurance Options
Cyber Liability
Helps cover costs from data breaches, ransomware, or cyberattacks.
Errors & Omissions
Vital for service providers; covers liability for professional mistakes or failure to perform.
Commercial Property
Coverage for damage to buildings, inventory, equipment, and other assets.
Builder’s Risk
Short-term coverage for properties under construction or renovation.
Surety Bonds
Assurance that your business will fulfill contracts or obligations as agreed.
Environmental
Protection against pollution-related claims and clean-up costs.
Fiduciary Liability
Safeguards those managing employee benefits from claims of mismanagement.
Captive Insurance
Custom-built insurance company model for large organizations seeking tailored control.
Employment Practices Liability
Protection from claims related to discrimination, harassment, or wrongful termination.
Directors & Officers Liability
Protects executives from personal losses related to decisions made on behalf of the company.
Crime
Protection from theft, fraud, forgery, and employee dishonesty.
Liquor Liability
Crucial for businesses that manufacture, serve, or sell alcohol.
Inland Marine
Covers goods, tools, or equipment in transit or offsite.
Equipment Breakdown
Covers repair or replacement when essential machinery fails.
Special Event
Temporary coverage for company-hosted events like expos or fundraisers.
Commercial Flood
Coverage for damage from rising waters, not included in standard property policies.