American Insurance Services

Business Preservation


What is Small Business Insurance?


Small business insurance is an optional insurance plan that provides you with the coverage necessary to keep your business operational, especially in the aftermath of a catastrophe or a lawsuit. Catastrophes can include fires, major weather events, and accidents with extreme losses. Lawsuits can also devastate your business. These insurance plans can be customized to meet the inherent risks faced by your particular business. Nearly half of all businesses that are forced to temporarily stop operations because of a natural disaster fail within 5 years. Of those that are unable to resume operations within 10 days, nearly 80 percent close within one month. A solid business insurance policy can prevent this from happening by allowing your small business to remain profitable, even in the face of disaster. 

Businesses and their owners generally pass through several identifiable stages during their business life cycle. Business Preservation and protection is the first stage: Helping to ensure protection against unexpected pitfalls.


  • Would your business be threatened by the death of a key employee?

  • Regulations change. Have your plans kept pace? When was your last “checkup”?

  • What about your partners? Do you have a buy/sell plan in place? How is it funded? What is your businesses current value?

  • What about Employee benefit plans? Just as important, what are your “Selfish Benefits”?

U.S. Small Business Statistics

  • There are currently more than 27 million small businesses in the USA

  • More than 70% of these businesses are owned and operated by a single person

  • 77 million people, or 57% of this country’s workforce, are employed by small businesses

  • Approximately 70% of all small businesses remain in operation 2 years after inception

  • Approximately 50% of all small businesses remain in operation 5 years after inception

  • 54% of small businesses are home-based


Let's get started!

Contact us for a free audit of your current situation.

When’s the last time you had a business valuation? Do you have a plan in place should a partner get sick? How about a Key-Employee?
Have you looked into benefits for employees? What about “selfish” benefits for you? Lot’s of important information to think about.

We’re here to help.

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