AOA Member Value

Business Insurance

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Managing Risk

Tailored Solutions for Your Business

While owning a practice is exciting and rewarding, it does come with risk that can affect it, your employees and your bottom line. Gallagher offers comprehensive insurance solutions designed to protect your practice, care for your people, and grow your profit.

Customized Solutions


Property coverage includes physical damage insurance for all of your business’ personal property, such as office equipment, furniture, fixtures, inventory, etc. Breakdown of office equipment were damage to occur from “electrical arcing/lighting” is included. The property section will include business income and extra expense should your business suffer a business interruption claim.

General Liability

Coverage to protect your business were a third party to claim bodily injury and/or property damage. Defense Cost is unlimited. Hired & Non-Owned Auto can be added to the general liability if the business does not own any vehicles.

Workers' Compensation

Workers’ Compensation protects your entity if being sued by an employee who was hurt on the job. It also provides medical, disability, and loss of wages to an employee who is hurt on the job.

We offer AOA members a broadening endorsement that expands the coverage provided by including seven important coverages that may be limited or excluded on a standards work comp policy -- and at no additional cost.

Commercial Auto

Commercial Auto provides full physical damage to your business owned vehicle, including towing and rental reimbursement. The coverage would include $1,000,000 auto liability and a $1,000,000 limit for hired/non-owned auto liability.

Cyber Liability

Cyber liability coverage, also called Data Breach Coverage, offers protection to the business in the case of a data breach in which the firm's customers' personal information is exposed or stolen. This can also provide coverage for stolen electronic devices such as laptops, tablets and cellular phones.

Commercial Umbrella

Commercial Umbrella coverage is purchased to provide liability in excess of the general liability, auto liability, and workers’ compensation policy limits.

Employment Practices Liability

Employment Practices Liability Insurance provides coverage were an employee to sue the employer claiming harassment, discrimination, and/or wrongful termination. It also provides defense in EEOC wage and hour disputes brought by an employee.

Directors & Officers Liability

Directors and officers liability Insurance (often called "D&O") is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

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