Your One Stop Destination For All Your Insurance Needs
Business 2018-01-26T04:53:15+00:00

Business Insurance

Business Insurance protects businesses and business owners from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses which include coverage for legal liability, property damage, Commercial auto, building protection, theft, fire and employee-related risks. Every business is different. Therefore, each business should evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

We pride ourselves in consulting with business owners to come up with comprehensive coverage that’s tailored to their needs.

What is BOP Insurance, and what’s covered under a BOP?
A business owner’s policy, or BOP, usually includes the following:

General Liability, which covers third party injuries that occur on your property as well as associated legal fees. It can also cover “advertising injury,” which includes offenses like libel and copyright infringement.

Property Insurance, which covers repairs to your place of business in the event of damage from fire, water or even from illegal activity.

Business Interruption Coverage, which will reimburse the business for profit loss due to closings from covered events like a fire, major storm, hacking event, or illegal activity.

What is EPLI and what does an EPLI policy cover?

Employment practices liability insurance (Trade name EPLI or EPL) is a type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.

EPLI specifically protects the employer against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues.

Small or new businesses are often the most vulnerable to employment claims. That’s because they usually lack a legal department or employee handbook detailing the policies and procedures that guide hiring, disciplining or terminating employees.

Large to Mid-size corporations typically have substantial employment practices insurance coverage in place and are prepared to deal with just about any employment lawsuit.

EPLI coverage is usually written on a claims-made basis. This means the incident resulting in the claim had to occur during the coverage period. Because employment claims often come months or even years after the alleged incident, an employer might be vulnerable if the insurance coverage was dropped or if tail coverage (liability insurance that extends beyond the end of the policy period) wasn’t purchased.

Commercial Auto/Fleet

Commercial Buildings

Apartments & Condominiums

Protect yourself and your livelihood with our business and commercial insurance policies

Restaurants & Franchises

Professional Liability (E & O)

Employment Practices Liability Insurance (EPLI)

We evaluate your needs and can determine the necessary coverage for your corporation

Gas Stations

Auto Repair & Body Shops

Auto Parts & Supplies Store

We offer our commercial clients the best business consulting services from small businesses to large organizations


Retail Stores

Fitness Studios

ACJO can modify your coverage as your business grows. Utilize Best’s Financial Strength Ratings to help your insurance carrier selection

Business Insurance

  • Commercial Auto/Fleet
  • Commercial Buildings
  • Apartments & Condominiums
  • Restaurants & Franchises
  • Professional Liability (E & O)
  • Employment Practices Liability Insurance (EPLI)
  • Gas Stations
  • Auto Repair Shops
  • Auto Body Shops
  • Auto Parts & Supplies Store
  • Plumbers
  • Retail Stores
  • Fitness Studios

What Client’s Say

Want to save money, want to get things organized with all your insurance needs, then use these guys. Mike and Armen are very knowledgeable. They saved me money across the board.
Billy W., Glendale, CA