Package Policy
Protect your piece of the world with a Commericial Package Policy from AFSA. This comprehensive policy allows you to tailor your policy to include almost any type of coverage you may need, from equipment breakdown to inland marine to crime coverage. You'll get maximum flexibility to design a policy specifically for the needs of our organization - and the convenience of having virtually all of your coverage in one package, with one renewal date and just one bill.
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Umbrella/ Excess Liability
When the amount of liability coverage provided by your General Liability, Auto Liability, and/or Employers Liability is not enough, Umbrella or Excess Liability coverage will apply.
We only offer the best coverage to our operators with the highest limits available.
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Employment Practices Liability Insurance (EPLI)
EPLI is considered one of the most important policies for a franchise owner. In fact you are more likely to have an EPLI claim than a property claim.
EPLI is not just sexual harassment coverage, but complaints of discrimination, wrongful termination and retaliation are included. Third Party and customer complaints of harassment and discrimination and American Disability Act claims are also covered. There’s Coverage for violation of Immigration Reform Control Act. Wage and Hour coverage provides defense for claims of violation of federal or state laws.
Plus all our EPLI policies provide free legal advice as well as HR Support.
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Workers’ Compensation
In most states, if you have any employees, you are required to cover them under a Workers' Compensation policy. Workers' Compensation has two coverage areas: 1) medical and disability coverage for on-the-job injuries or work related illness, and 2) coverage for your liability if an employee is injured on the job and alleges that your negligence contributed to the injury or illness (Employer’s Liability). In many states sole proprietors and company principals such as owners, officers and partners can exclude themselves from workers' compensation coverage.
Workers' Compensation Rules
Scroll to your state below to access information on your state insurance website regarding workers' compensation rules and requirements
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Cyber Liability Coverage
Cyber Liability Coverage Is designed to protect businesses against liability and expenses arising from the theft or loss of data, as well as liability and expenses arising from a breach of data, security or privacy It also provides Website Liability and Identity Theft coverage.
Who needs this coverage?
- Any business that accepts credit cards
- Send emails
- Views or handles private information of employees or customers
- Has a website
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