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Business Insurance Services

Business Owner's Policy

BOP is a special type of commercial insurance designed for small and medium-sized businesses. By bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies. Specific coverage included in a business owner's policy (BOP) varies among insurance providers, but most policies require that businesses meet eligibility criteria to qualify.

Workers' Compensation

Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to a businesses employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for negligence. Terms can be made for weekly payments in place of wages, compensation for economic loss (past and future), reimbursement or payment of medical expenses and benefits payable to the dependents of workers killed during employment.

General & Professional Liability

Liability insurance is designed to offer specific protection against third-party insurance claims, therefore, payment is not typically made to the insured, but rather to someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally as well as contractual liability are not covered under liability insurance policies. When a claim is made the insurance carrier has the duty (and right) to defend the insured.

Business Owners Policy Insurance

Specific coverage included in a business owner's policy (BOP) varies among insurance providers, but most policies require that businesses meet eligibility criteria to qualify.

Property Damage Insurance

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance.

Liability Insurance

Liability insurance (also called third-party insurance) is part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.

Frequently Asked Questions

1. Evaluate your situation.
Before choosing a policy you should consider how much coverage you need for yourself, your car and/or your home... and how much coverage you can afford.
2. Shop Around.
You should shop around with different car insurance companies before choosing an insurer, one insurer might offer you a cheaper rate for the same amount of coverage.
3. Or Contact AIS (so we can do it for you).
Click Contact AIS to fill out a form with your info so we can provide a helping hand and guide you through the process. We represent your interests to the big insurance carriers so you get the best rates.

For personalized help with a guiding hand in getting you a free quote from the major Insurance carriers, contact Almanzar Insurance at 978-891-3411 or fill out the form here and we'll call you.

Yes, you're free to change Insurance companies.

Business insurance, sometimes called commercial insurance, helps protect a business's assets, property and income. A business owners policy (BOP) is the most common policy for small businesses. A BOP typically includes three basic types of coverage to help protect a business: business property coverage, general liability coverage and business interruption coverage. Businesses could also elect for Worker's Compensation Insurance, General Liability and Professional Liability Insurance.

1. Assess your risks.
Think about what kind of accidents, natural disasters, or lawsuits could damage your business. If you need help, the National Federation of Independent Businesses (NFIB) provides information for choosing insurance to help you assess your risks and to make sure you've insured every aspect of your business.
2. Find a reputable licensed agent.
Commercial insurance agents can help you find policies that match your business needs. They receive commissions from insurance companies when they sell policies, so it's free for you to use their help but it's important to find a licensed agent that’s interested in your needs as much as their own. Call Almanzar Insurance at 978-891-3411 to speak with someone who can walk you through the process and help you get the best Business Insurance for your business or Click here to fill out a form and have someone get in touch with you.
3. Shop around.
Prices and benefits can vary significantly. You should compare the rates, terms, and benefits for insurance offers provided by your Insurance Agent.
4. Re-assess every year.
As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded operations, you should contact your insurance agent to discuss changes in your business and how they affect your coverage.

For personalized help with a guiding hand, contact Almanzar Insurance at 978-891-3411 or fill out the form here and we'll get in contact with you.

Ready to get started with your Free Business Insurance Quote?

Let’s Get in Touch

Whatever questions you have about what type of insurance you may need, please get in touch with us!


104 River Street 
Haverhill, MA 01832

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Phone: 978-891-3411 
Fax: 978-891-3537