Do you need a better Business Insurance Package?
Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Johnston area and throughout the state of IA.
At Avanti Group, we can design a specialized package according to your property, liability, and casualty needs.
We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.
Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.
Commercial Package policy vs. Business Owners Policy (BOP)
Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.
In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.
Business Insurance products we help with
- Business Owners Packages (BOP)
- Commercial Auto
- Business Personal Property
- Business Umbrella Policies
- Church Insurance
- Restaurants
- Errors and Omissions
- Equipment Floater
- Risk Management
- General Liability
- Contractors
- Retail Stores
- Plumbers
- Professional Offices
- Property Managers & Owners
- Electricians
- Workers Compensation
- Commercial Building Property
- Apartment Owners
- Self Storage
- Condominium Owners
- Store & Lock Centers
- Retail Stores
- EPLI – Employment Practices Liability Insurance
- Professional Liability Insurance
- Directors & Officers
- Landscapers
- Cyber Liability
- Pollution Liability
- Painters
- Liquor Liability
- Medical Professional
- Service & Repair Insurance
- General Repair Shops
- Garage Keepers
- Auto Body Shops
- Crime
- Inland Marine
- Builders Risk
How to get started with your Business Insurance Comparison
No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.
To get started, call our office or complete the form below:
Related Articles
Background reading on the line items underwriters and adjusters actually pay attention to—the building blocks of every Avanti business insurance program.
- How to Demand and Verify Certificates of Insurance from Subcontractors — A COI is a snapshot, not a contract — three endorsements turn it from paperwork into protection.
- What General Liability Insurance Actually Covers and What It Doesn’t — The three coverage parts of a CGL, the named exclusions, and how per-occurrence and aggregate limits cap what gets paid.
- Policy Language That Quietly Limits Your Coverage: Sublimits, Exclusions, and Conditions — Three places a commercial policy quietly limits coverage—sublimits, named exclusions, and conditions.
- Captive vs Guaranteed Cost vs Large Deductible: Risk Financing Compared — Three risk financing structures side by side—when each one fits and when it stops making sense.
- Why the Cheapest Commercial Quote Is Usually the Most Expensive Policy — Three Iowa-style scenarios where the lowest premium hid the largest gap.
- Additional Insured Status on Commercial Liability Policies: What It Actually Buys You — What CG 20 10 / 20 37 actually grants—and what it doesn’t.
- Coinsurance Penalties on Commercial Property: The Clause That Quietly Cuts Claim Checks — How the coinsurance formula trims a claim check when valuation drifts.
- How to Read a Commercial Insurance Declarations Page Without Missing the Sublimits — What’s actually on the dec page—and the lines that decide what gets paid.
- Loss Runs Explained: What Underwriters See That Owners Often Don’t — Five years of loss data, read the way an underwriter reads it.
- Total Cost of Risk: The Number That Should Replace Your Premium — The number that includes premium, retention, claims cost, and the cash trapped in collateral.