Protect your family with Fial Insurance Agency

 Protect Your Business with the Right Coverage

Running a small business requires a significant investment of time and money. Business owner's insurance helps protect that investment by minimizing financial risks associated with unexpected events—such as the death of a partner, an injured employee, a lawsuit, or a natural disaster. While business insurance is generally not required by law unless you are an employer, it is a common practice to purchase sufficient coverage to safeguard your assets and ensure your business can withstand unforeseen challenges.

 Protect Your Commercial Vehicles with the Right Coverage

Just like your personal vehicles, your commercial autos need protection too. Our experienced agents are here to assist with Commercial Auto Insurance, Truck Insurance, or to help assess your overall commercial coverage options. With years of experience as a commercial auto provider, we are dedicated to saving you both time and money on your commercial insurance needs. Plus, we’ll make sure you get back on the road quickly and efficiently, with minimal downtime.

 Protect Your Business with an Umbrella Policy

Similar to a personal umbrella policy, a business umbrella policy provides coverage for catastrophic losses and can prevent your business from experiencing significant financial distress. Often, it can be the difference between staying in business or facing closure.

Umbrella liability insurance for your business steps in when a covered claim exceeds the limits of your existing liability policy, ensuring you are protected from additional expenses and potential risks. 

 Protect Your Business Property with Commercial Property Insurance

If your business owns any commercial real estate or other property used for business purposes, having commercial property insurance is essential. This coverage protects your buildings, inventory, equipment, tools, and more. It can help cover losses from events such as fires, vandalism, or natural disasters.

While a basic commercial property insurance policy may be sufficient, it's important to speak with a qualified agent at FIAL Insurance Agency to ensure you have the right coverage for your specific needs.

Call us today at 480-264-5353 to discuss your options. We are here to Help!

 Protect Your Business with General Liability Insurance (GLI)

General Liability Insurance (GLI), also known as commercial liability insurance, covers your business’s broad liability risks. Having a general liability insurance policy in place is a smart move to safeguard your business from unexpected situations.

In addition to the standard policy, there are several valuable enhancements you can add to fully protect your business, including:

Directors and Officers Insurance-Employee Practices Liability Insurance (EPLI)-Professional Liability Insurance (Errors and Omissions)
Call us today, and we’ll help you get the policy you need to provide comprehensive protection for your business.

 Protect Your Employees with Workers’ Compensation Insurance

Workers’ Compensation insurance provides wage replacement and medical benefits to employees injured during the course of their employment. In exchange, employees relinquish their right to sue the employer for negligence.

In Arizona, it is a legal requirement for employers to carry workers' compensation insurance. While owners, officers, and executives generally may choose to exclude themselves from this coverage, their payroll will also be excluded from premium calculations.

Call us today at 480-264-5353 to ensure your business complies with the law and provides the necessary protection for your employees.