American Patriot

Commercial Auto

Ensuring that your vehicles, drivers and other related parties are safeguarded against the unexpected is imperative to the health of your business. We’ll structure your Commercial Auto coverage to accommodate your particular situation, whether it pertains to single and multiple vehicles, trucks and motor carriers, or garage operations.

Our auto insurance products cover the cost to repair or replace the insured vehicle and any other vehicles or property damage caused by an employee, as well as medical expenses for those who may be injured as a result of an accident. Supplemental insurance is also available to cover losses not normally covered in a standard policy, such as coverage for employees using their own cars during business hours.

Commercial Property

Your company’s physical property—whether office buildings, manufacturing facilities or retail stores—is likely among your most valuable assets. At American Patriot, we develop property insurance strategies for a wide range of assets and strive to reduce your company’s exposure to loss.

We leverage our expertise in the field to find you the right insurance products that match your specific needs. Our Commercial Property offerings cover your organization’s physical assets for losses in the event of theft, fire, lightning, windstorm, hail, explosion, riot or vandalism, and damage caused by natural and industrial factors. It also covers the cost of removing property in order to protect it from further loss.

General Liability

In today's increasingly complex business environment, businesses rely on American Patriot for commercial General Liability coverage for addressing bodily injury, property damage, false arrest, as well as personal and advertising damages such libel and invasion of privacy.

General Liability insurance provides payment for your business losses on a victims' injury or property damage caused by your business, as well as medical expenses of victims, attorney's fees and investigation expenses associated with legal proceedings. Supplemental insurance may be added to your general liability policy to protect your business from risks normally excluded.

We also offer a practical option for the small residential contractor looking for basic insurance coverage. Our Artisan RRG (Risk Retention Group) Liability solution provides General Liability coverage designed for the residential contractor in mind. Not only is it available to nearly all classes of the construction industry, it provides an insurance solution for those seeking good coverage at an economical rate.

Get a quick indication today with our Rapid Rater.

Inland Marine

Our Inland Marine solutions are ideal for businesses with equipment used in construction or manufacturing, or any property that is in transit, held in trust or custody at a fixed location that is an instrument of transportation, or deals with high-risk mobile or movable items that are often at different locations and not covered by basic insurance policies.

Motor truck cargo haulers, equipment dealers and warehouses find inland marine coverage valuable in protecting company assets. Inland Marine coverage protects the valuable tools of mechanics and tradesman, the artwork of a gallery owner, or the precious gems of a jeweler. Inland Marine can also provide protection for:

• Data Processing Equipment, Media and Data
• Accounts Receivables
• Valuable Papers & Records
• Commercial Fine Arts
• Transportation
• Miscellaneous Property Floater
• Contractor's Equipment Coverage
• Builder's Risk
• Installation Floater

Workers Compensation

Though not all states require Workers' Compensation coverage for all employees, the many hazards that come with manufacturing, construction and other physically demanding occupations make Workers' Compensation crucial in protecting employees who may become injured on the job.

Our Workers' Compensation insurance products cover medical bills and lost wages for an injured employee, as well as your business's legal obligation to an injured employee during the course of his/her employment.