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Commercial Policies

Your business is more than a job; it’s your life. You need flexible, tailored insurance coverage that addresses specific exposures and goals.  

Drawing on long-experience, a local presence, a comprehensive portfolio of products, and the commitment of our people, we can help you manage the risks of day-to-day commerce.

American National’s Business Owner’s Advantage contains valuable coverage and features tailored to your business operation needs.


  • Buildings, permanently installed equipment and outdoor fixtures
  • Business personal property, including computer systems and electronic media
  • Debris removal
  • Outdoor property, including signs
  • Newly acquired property
  • Property in transit or temporarily off premises
  • Accounts receivable
  • Forgery or alterations
  • Valuable papers and records, including electronic or magnetic media
  • Money and securities, on or off premises
  • Employee dishonesty
  • Peak-season coverage


  • Premises and operations
  • Products/completed operations
  • Personal injury
  • Advertising injury
  • Fire legal liability
  • Medical expense
  • Hired and non-owned auto*
  • Primary and noncontributory converage*
  • Waiver of subrogation*

* Not available in all states

Loss of Income Protection

  • Up to 12 months of business income
  • Paid extra expenses needed to resume normal business operations

Presenting Options

  • Off premises power failure
  • Equipment breakdown
  • Employee benefits liability*
  • Glass coverage
  • Employee dishonesty in higher limits
  • Outdoor signs in higher limits
  • Accounts receivable in higher limits
  • Valuable papers and records in higher limits
  • Earthquake
  • Spoilage coverage

* Not available in all states

We also offer special features to help make your business run smoothly: payment plans, electronic funds transfer with any billing plan, premium discounts and professional insurance reviews. And because the most important part of your business is you, American National also offers insurance to protect your family and assets:

  • Life Insurance
  • Retirement Funding

Give us a call today to set up a Professional Insurance Review to analyze your needs, goals, and options.

Let us help you PLAN for the future TODAY.