Commercial Insurance

Commercial Insurance: Comprehensive business Protection 

Running a business comes with risks — from property damage to liability claims and employee-related exposures. Having the right commercial insurance in place ensures your company stays protected when the unexpected happens. At Advantage Insurance Network, LLC, we specialize in helping business owners in Cincinnati and throughout Ohio find tailored coverage solutions at competitive rates.

As an independent insurance agency, we aren’t tied to one carrier. Instead, we work with multiple top-rated insurance companies to shop your coverage, compare options, and design a plan that fits your business needs and budget.

Why Choose Advantage Insurance Network?

• Independent & client-focused – We represent you, not the insurance companies.

• Tailored solutions – Every business is unique, so we customize your coverage.

• Cost-effective protection – We compare multiple carriers to find the best fit.

• Comprehensive expertise – From small startups to established corporations, we insure all types of businesses. 

Core Commercial Insurance Products

Businessowner’s Policy (BOP)

A Businessowner’s Policy combines essential protections into one convenient package, typically including general liability insurance and commercial property coverage. BOPs are designed for small- to medium-sized businesses and provide a solid foundation of protection. However, depending on your risks, you may need additional policies to close coverage gaps.

Commercial Package Policy (CPP)

A Commercial Package Policy is more customizable than a BOP. It allows you to bundle together various coverages — such as property, liability, auto, and crime insurance — into one comprehensive solution. A CPP is ideal for growing or complex businesses that need more flexibility.

Commercial General Liability (CGL)

General Liability Insurance protects your business from the financial impact of third-party claims for bodily injury, property damage, and personal/advertising injury. From customer slip-and-fall accidents to lawsuits, liability insurance is the backbone of most business insurance programs.

Commercial Property Insurance

If you own a building, equipment, or inventory, Commercial Property Insurance protects your investment against covered losses such as fire, theft, or certain weather events. We’ll design coverage that ensures your property is protected so you can focus on running your business.

Commercial Auto Insurance

Whether you own a single company car or an entire fleet, Commercial Auto Insurance keeps your vehicles — and your business — protected. Coverage typically includes liability, collision, comprehensive, and optional add-ons like uninsured/underinsured motorist coverage.

Commercial Umbrella Insurance

In today’s litigious society, lawsuits can exceed your basic liability policy limits. A Commercial Umbrella Policy provides an extra layer of protection, giving you higher limits when your general liability, auto, or employer’s liability coverage is exhausted.

Workers’ Compensation Insurance

If you have employees, Workers’ Compensation Insurance is not only essential — it’s required by law. It covers medical expenses and lost wages if an employee is injured or becomes ill due to job-related duties.

Professional Liability Insurance (Errors & Omissions)

If your business provides professional services or advice, Professional Liability Insurance protects you against claims of negligence, errors, or omissions. This coverage is especially important for consultants, contractors, and other service-based businesses.

Flood Insurance

Flooding is not typically covered under standard commercial property policies. Businesses near rivers, streams, or flood-prone areas should strongly consider Commercial Flood Insurance to protect against catastrophic losses.

Surety & Commercial Bonds

We provide a full range of bond solutions, including contractor license and permit bonds, performance bonds, fidelity bonds, and more. Whether you need bonds to meet regulatory requirements or protect against theft and dishonesty, we’ve got you covered.

Cyber Liability Insurance

Cyberattacks and data breaches can devastate a business. Cyber Liability Insurance protects your company from the costs of responding to a breach, including legal expenses, customer notification, credit monitoring, and restoring compromised systems.

Employment Practices Liability Insurance (EPLI)

EPLI protects your business against employee-related claims such as wrongful termination, harassment, and discrimination. With employee lawsuits on the rise, this coverage is crucial to safeguard your company’s finances and reputation.

Businesses We Insure

We proudly insure a wide range of businesses, including but not limited to:

• Contractors (general, electrical, plumbing, HVAC, roofing, etc.)

• Restaurants, bars, and cafes

• Apartment buildings & real estate investors

• Condominium associations and homeowner associations

• Retail stores

• Shopping centers and commercial real estate

• Professional offices (medical, dental, legal, accounting)

• Manufacturers and wholesalers

• Technology and IT firms

• Non-profits and community organizations

Protect Your Business Today

Every business faces unique risks — but the right insurance can make all the difference. At Advantage Insurance Network, LLC, we’re here to help you identify those risks, compare carriers, and secure the protection you need at the best value.

📞 Call us today at 513-922-9460 to review your insurance needs.
📧 Request your free business insurance quote