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Business INsurance

Comprehensive Protection for Growth

We go beyond standard coverage to provide comprehensive protection for the growth and success of your business. From property and liability to employee benefits, We are your partner in navigating the complexities of the business world.

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About Business Insurance

Expert Guidance for Informed
Decision-Making

Choosing the right business insurance is crucial. Our experienced professionals are here to provide expert guidance, ensuring you make informed decisions about your coverage. We take the time to understand your business and its unique needs.

Business Insurance

Our Business Insurance Benefits

Property Insurance: Safeguarding Your Business Assets

Aspire Insurance Property Insurance provides comprehensive coverage for your business property, including buildings, equipment, and inventory. Protect your assets against unexpected events, ensuring your business can recover and thrive.

Liability Insurance: Protection Beyond the Expected

In today's business landscape, unforeseen challenges can arise. Aspire Insurance Liability Insurance offers coverage for legal expenses and damages if your business is held responsible for injury or property damage. We will provide you with peace of mind in the face of potential liabilities.

Cyber Liability Insurance: Protecting Your Digital Assets

In the digital age, cyber threats are a constant concern. Aspire Insurance Cyber Liability Insurance provides coverage against data breaches, cyberattacks, and other digital risks. Safeguard your business's sensitive information and maintain the trust of your clients and stakeholders.

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Our Values

Why Choose Aspire Insurance?

Farmer-Focused Strategy

Your farming needs take center stage as we strive to create insurance solutions that resonate with the distinctive character of your farm or ranch.

Alliance with Integrity

In partnership with esteemed insurance carriers, we bring forth an extensive selection of farm and ranch insurance policies, providing you with choices that match your operational scope.

Agricultural Advisory

Our cadre of seasoned insurance experts is dedicated to navigating you through the ins and outs of farm and ranch insurance, empowering you with the knowledge to make choices that best protect your livelihood.

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Testimonials

Why They Love Aspire Insurance

I’ve been a customer of Aspire Insurance for over a decade.

Their commitment to customer satisfaction and personalized service is unmatched. I feel secure knowing they have my back.
Sarah T.
Aspire Insurance Customer since 2010

The team at Aspire Insurance Insurance went above and beyond to help me find the right coverage for my business.

Their expertise and attention to detail made the process seamless.
James M.
Small Business Owner

I recently had to file a claim, and the support I received from Aspire Insurance was exceptional.

They made a stressful situation much more manageable, and I'm grateful for their quick response.
Emily P.
Homeowner

Running a small business comes with its challenges, but insurance coverage shouldn’t be one of them.

Aspire Insurance understood the unique needs of my business and provided a tailored solution that gives me peace of mind, allowing me to focus on growing my company.
Rachel L.
Small Business Owner
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Our Partners

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Business Income

Risk Factor
What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business income insurance compensates you for lost income if the business cannot operate as normal due to a loss that is covered under your commercial property insurance, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred.

Note: Actual policies must be consulted for specific terms and conditions.

Commercial Umbrella

Risk Factor
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
Risk Factor
A commercial umbrella policy provides limits starting at $1,000,000 that extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

Note: Actual policies must be consulted for specific terms and conditions.

Commercial Property

Risk Factor
Your business property is a significant financial investment. What if something happens to it?
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Note: Actual policies must be consulted for specific terms and conditions.

Employment Practices Liability Insurance (EPLI)

Risk Factor
On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Solution
Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, discrimination, and harassment.

Note: Actual policies must be consulted for specific terms and conditions.

Business Auto Insurance

Risk Factor
An at fault auto accident can cause bodily injury or property damage to others, potentially putting your business in financial jeopardy.
Solution

Business auto insurance provides coverage for vehicles owned or leased by a business and provides coverage for bodily injury, property damage, medical, and can include both comprehensive and collision coverage.

Note: Actual policies must be consulted for specific terms and conditions.

Cyber Liability

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.

Note: Actual policies must be consulted for specific terms and conditions.

Systems Breakdown

Risk Factor
Your business property is a significant financial investment. What if something happens to it?
Solution
Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Note: Actual policies must be consulted for specific terms and conditions.

Directors and Officers Liability Insurance (D&O)

Risk Factor
Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties.
Solution
Obtain comprehensive coverage to protect these individuals within the company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Note: Actual policies must be consulted for specific terms and conditions.

Workers' Compensation

Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Risk Factor
Workers’ compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.

Note: Actual policies must be consulted for specific terms and conditions.

Business Insurance - Business Owners Policy (BOP)

Risk Factor
As a business owner, you’ve worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?
Solution
A business owners policy is uniquely designed to protect your most important assets, including your business, your employees, and your way of life. Your agent can discuss that different coverage options to ensure you are protected.

Note: Actual policies must be consulted for specific terms and conditions.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Note: Actual policies must be consulted for specific terms and conditions.

Environmental Insurance

Risk Factor

Could your business cause damage to the environment? If so, are you covered?

Solution

Environmental insurance provides protection if an environmental catastrophe occurs.

Note: Actual policies must be consulted for specific terms and conditions.

Errors and Omissions Liability (E&O)

Risk Factor
If you perform services for others, you are at risk of doing the work incorrectly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.
Solution
Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, certain repairs, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

Note: Actual policies must be consulted for specific terms and conditions.

Crime and Fidelity Bond

Risk Factor
What will you do if one of your trusted employees is found guilty of doing something dishonest?
Solution
Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Note: Actual policies must be consulted for specific terms and conditions.