Commercial Insurance

Commercial Auto Insurance - A vehicle that is used within the context of business must have its own policy; a personal car insurance policy is not enough, as it won't cover items that relate to business. If your business uses vehicles to perform routine or even occasional operations, a commercial auto policy is a must.

Commercial General Liability Insurance - Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. A convenient catch-all type of policy, many businesses can use it as a starting point for their insurance needs - in terms of liability.

Commercial Property Insurance - A commercial property insurance policy could be thought of as a commercial version of a homeowner's policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.

Workers Compensation - Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.

Business Owners Package (BOP) - Small business owners can take care of many needs in a BOP policy – it often includes vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.

Non-Profit - Non-Profit organizations exist to help better and improve the lives of others. At OIS we will assess and manage your organization's risk creating a custom plan protecting your Non-Profit. We provide comprehensive General Liability, Business Insurance, Directors and Officers Insurance, Errors and Omission Insurance just to name a few. While you serve the interest of others, let OIS protect your organization's interest.

Human Services - At OIS we provide comprehensive insurance programs affiliated with businesses in the Human Services industry to include:

• Child Care Centers
• Community Centers
• Group Homes
• Home Health Care
• Home Medical Equipment Dealers
• Homeless/Battered Shelters
• Hospices
• Mental Health Organizations
• Non-Profit Organizations
• Religious Organizations (Churches, Centers of Worship, etc.)
• Sleep Centers and Laboratories
• Social Service Organizations
• Substance Abuse Rehabilitation Facilities
• YMCAs / YWCAs
• Youth Services Organizations (Boys Scouts/Girl Scouts, Boys and Girls Club, etc.)

Computer Consulting - OIS is committed to providing comprehensive Professional Liability coverage to computer consultants.

Personal & Commercial Insurance - We've got you covered! Click the thumbnails above to learn more.