Commercial Package

Customized Commercial Insurance Packages to Meet Your Needs

American European Insurance Group offers a wide range of commercial insurance products, with the underwriting flexibility to meet the needs of most types of businesses. With direct access to our in-house underwriters, our independent agent partners can quickly and easily provide both the information you need to make an educated decision about your insurance coverage and a competitive price quote. Here are some of the types of commercial insurance policies we offer.

Commercial General Liability Insurance Options

Commercial general liability insurance helps to protect your business from the financial consequences that arise out of claims of injury or property damage that arise out of your normal business operations Policies typically include coverage for bodily injury, property damage, personal and advertising injury, medical payment, and damages to premises rented to you.  Coverage is available for both your premises and ongoing operations, and your products and completed operations.  In addition to providing coverage for the actual damages and injuries that may be caused by your business operations, the general liability policy also covers the cost of legal defense for covered losses, which can often exceed the cost of the actual damages sustained

AE offers customizable general liability coverage for a wide variety of businesses, including but not limited to:

• Office exposures, whether owned or leased.
• Lessors risks including apartment buildings, condominium complexes, and homeowners associations and mixed-use occupancies (mercantile with apartments).
• Restaurants, delis, and other eateries.
• Convenience stores and bodegas
• Most types of retail stores
• Distributors of goods
• Dry cleaners
• Houses of worship

Commercial Crime Insurance Policies

While property coverage will protect your business against a number of natural and man-made losses, they typically do not provide coverage for crime-related losses. AE’s commercial crime insurance policies cover this gap, and protect your business against losses due to acts such as employee dishonesty, forgery and/or alterations, theft of money and/or securities, burglary or robbery (on or away from your premises) and computer fraud.

AE offers Crime Coverage as part of our commercial package.  Like the other lines, this coverage is fully customizable to meet your specific business needs.

Commercial Inland Marine Policies

Most types of property owned by a business can be covered under the Commercial Property Policy while they are at your business location, but what happens when your property is taken away from your normal place of business, or if you own types of property for which coverage is unavailable or limited under the Property policy?  Once again, AE offers a customizable solution under our Inland Marine policy.

The Inland Marine policy is often referred to as a “Floater Policy” because it provides coverage for your insured property as it travels from place to place, in the course of your business activities.  “Floater” coverage is available for many types of business property, including but not limited to:

• Scheduled Contractors Equipment
• Smaller machinery and hand tools
• Installation coverage for equipment or materials you install at a customer’s location
• Motor Truck Cargo coverage, for your property while in transit in a motor vehicle

In addition to “Floater” coverage, the Inland Marine policy offers coverage for certain types of property that are either ineligible for coverage under the Property Policy, or where it includes limitations.  These items include:

• Contractors Mobile Equipment
• Fine Arts
• Data Processing Equipment and Software
• Telecommunication Equipment
• Medical Equipment
• Photographic Equipment
• Musical Instruments
• Accounts Receivable
• Property at Trade Shows or Exhibitions

Why Choose American European Insurance Group?

Our in-house underwriters have the expertise required to provide fast and accurate answers to all of your coverage-related questions, and the flexibility needed to provide comprehensive and competitively priced solutions for your business insurance needs.  With so many options to choose from, you’re sure to find something that’s right for both your needs and your budget.

Our on-site customer service staff and easy-to-use web portal, make checking the status of your policy or reviewing your invoices a snap.  Then, in those unfortunate instances when a loss does occur, you can easily file your claim online and get in contact with our in-house counsel and claims adjusters to handle any issues quickly and efficiently.

We strive to make the insurance process as convenient as possible, from the moment we receive an application to each subsequent customer touch point. Insureds can pay their premiums or report claims either online,  or by mail, or for those who appreciate a more personal touch, our Customer Service Call Center Representatives are standing by to take your call.

Getting Started With AE Commercial Insurance

If you are a business looking for comprehensive, customized insurance coverage that is competitively prices and backed by our commitment to superior customer service, American European Insurance Group can help. Use our simple agent locator to find an insurance professional in your area who will work with you to tailor an insurance program that meets your needs and budget work with over 300 independent agents in the New England, Northeast and Mid-Atlantic areas.

At AE, our goal is to provide the peace of mind that comes along with knowing that your business is protected against the unforeseen, so you can concentrate on what’s important – your customers!  And when the unforeseen does happen, it’s our goal to get your business back up and running quickly, and to get you back to doing what you do best!

For more information about how you can find this peace of mind, contact one of our trusted agents today.