Commercial Insurance


During Mid-States over 25-year business relationship with American Insurance, we have always found Dave Bradshaw and his staff to be willing to help us in any way. They respond immediately to any needs that we might have, and provide assistance that exceeds what you would normally expect from an insurance broker. It would not be a stretch to say that American Insurance is essential to our business operations. The staff at American Insurance is professional, knowledgeable, and completely trustworthy.
-Steve Kidd, President - Mid State Consultants, Inc., Nephi, UT

Commercial Insurance

At first glance, a restaurant owner may not have much in common with a plastics manufacturer. But all businesses need insurance in order to operate successfully. That's where we come in. Our commercial clients own engineering firms and auto dealerships. We represent accountants, lawyers, architects and educators. Whatever your business, we'll get to know you individually and help you manage your risk. Here's how.

American's Approach

  • Understanding your business is the first step in the services we provide. We'll come to see your operations and identify the unique risks you face. Your exposures to loss may include real property, liability, employment issues, and the financial responsibilities of your business. Using our agency's Exposure Analysis tools, we will evaluate the specific risks you face.
  • Our next step is to design a plan to deal with the risks we've identified on a cost-effective basis. We'll outline an insurance program for you, as well as general business practices that can reduce or eliminate your exposure to loss. We will talk with you about options that make sense to protect your assets.
  • We will then market your account to insurance company underwriters, recommend appropriate insurance carriers, and negotiate policy terms and premium rates. We will present proposals to you that represent the best value in coverage and added services.

What About Customer Service?

Over 94% of our commercial clients return to our agency year after year for their insurance needs. To us this means that we are doing things right. We develop relationships of trust and confidence. Our clients depend on our consistent ability to meet and exceed their expectations in the day-to-day service of their insurance needs. The Certificates of Insurance that you need for your clients or vendors will be issued quickly and accurately. We can review your contracts and provide Auto ID cards.

Additionally, our clients appreciate our prompt, responsive, and knowledgeable service when claim issues arise. Your service team will actively see any claim situation through from the first report of the incident to its final resolution.

The Bottom Line

Because insurance is a financial product, an important part of our job is keeping our clients up to date on the conditions in the insurance marketplace and the impact these conditions may have on your costs and coverage. At American Insurance, we are large enough to command deep resources yet small enough to provide highly responsive and personalized service. We have outstanding relationships with regional and national insurance companies, and an excellent reputation in the industry. American Insurance is insurance you can count on for your business.