Do you need a better Business Insurance Package?

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Johnston area and throughout the state of IA.

At Avanti Group, we can design a specialized package according to your property, liability, and casualty needs.

We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.

Commercial Package policy vs. Business Owners Policy (BOP)

Think of a Commercial Package Policy as a stereo system where you buy each component individually. So you would buy the receiver, speakers, remote, and every other part and accessory separate from each other.

In contrast, a BOP policy is much like a stereo-in-a-box. All of the pieces you need come pre-packaged.

Business Insurance products we help with

• Business Owners Packages (BOP)
• Commercial Auto
• Business Personal Property
• Business Umbrella Policies
• Church Insurance
• Restaurants
• Errors and Omissions
• Equipment Floater
• Risk Management
• General Liability
• Contractors
• Retail Stores
• Plumbers
• Professional Offices
• Property Managers & Owners
• Electricians
• Workers Compensation
• Commercial Building Property
• Apartment Owners
• Self Storage
• Condominium Owners
• Store & Lock Centers
• Retail Stores
• EPLI – Employment Practices Liability Insurance
• Professional Liability Insurance
• Directors & Officers
• Landscapers
• Cyber Liability
• Pollution Liability
• Painters
• Liquor Liability
• Medical Professional
• Service & Repair Insurance
• General Repair Shops
• Garage Keepers
• Auto Body Shops
• Crime
• Inland Marine
• Builders Risk

How to get started with your Business Insurance Comparison

No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.

To get started, call our office or complete the form below:

Related Articles

Background reading on the line items underwriters and adjusters actually pay attention to—the building blocks of every Avanti business insurance program.

• Replacement Cost vs ACV vs Functional Replacement on Commercial Property — Replacement cost rebuilds with new materials, actual cash value pays the depreciated number, and functional replacement cost rebuilds to an equivalent use — the valuation method on the declarations page, not the limit alone, decides what a property loss actually pays, and post-2021 construction-cost inflation has left many Iowa buildings underinsured against today’s rebuild cost.
• Comprehensive vs Collision on Commercial Auto: What’s Worth Carrying — Comprehensive and collision are the optional physical-damage halves of a commercial auto policy — comprehensive for weather, theft, and fire, collision for impact — and whether each vehicle should carry them turns on the unit’s value, lender or lease requirements, and deductible math, not on habit; the aging, fully owned truck is where most physical damage premium is quietly wasted.
• Building a Fleet Safety Program and Proving It to Underwriters — A fleet safety program is a written, enforced set of practices — a signed safety policy, a driver qualification file, telematics, cameras, and a post-accident protocol — that carriers reward with premium credit when the proof is packaged and presented at submission rather than left to be discovered.
• The Business Risk Diagnostic: What Avanti Does Before We Ever Build a Quote — A Business Risk Diagnostic is Avanti’s pre-quote due diligence — exposure mapping, a line-by-line coverage stress test, and market positioning — run before any quote so the program is matched to the risk instead of the price.
• Commercial Insurance Renewal Mistakes That Cost You Every Year — The renewal that goes well is the one started early and on a calendar; the five recurring mistakes are shopping too late, going to market with no specs, sending multiple agents to the same carriers, comparing premium instead of coverage, and ignoring loss-control credits.
• Independent Insurance Agent vs Captive Agent: Why It Matters for Commercial Buyers — An independent agent represents many carriers and puts them in competition for your account, while a captive agent sells one carrier’s products — for a commercial buyer the structure decides carrier access, market leverage, and whose interest the advice serves.
• Driver MVR Programs: What Carriers Want to See — A driver MVR program is a written set of rules for who can drive, how often motor vehicle records are pulled, and which violations are acceptable, borderline, or disqualifying — carriers want it in writing, applied consistently to every driver, and actually keeping high-risk drivers off the road, which also defends against negligent-entrustment claims.
• Personal Auto vs Commercial Auto: When “I Just Use It for Work” Stops Working — The line between personal and commercial auto insurance is drawn by title, use, and exposure, not by what the vehicle looks like — business-titled vehicles cannot sit on a personal policy at all, regular business use triggers the personal policy’s business-use limitations, and the double-duty trade truck is where the line gets tested most — so the right policy is decided by how the vehicle actually works, not by which premium is lower.
• Why Commercial Auto Rates Are Climbing and What to Do About It — Commercial auto rates keep rising on forces outside any one business’s control — nuclear verdicts, third-party litigation funding, social inflation, and distracted-driving severity — so even a claim-free fleet sees its renewal climb, and the fix is structuring coverage and managing total cost of risk, not chasing the cheapest quote.
• MCS-90 Endorsement Explained for Trucking — The MCS-90 is a federally required financial-responsibility guarantee to the motoring public, not coverage for the trucking company — it forces the insurer to pay an injured party up to the federal minimum even when the policy would deny the claim, then gives the insurer the right to bill the carrier back.
• Hired and Non-Owned Auto: The Coverage Most Small Businesses Are Missing — Hired and non-owned auto (HNOA) covers a business’s liability when employees drive personal cars or rented vehicles for work — the auto exposure a general liability policy excludes and most owners never price, answered by an inexpensive endorsement that sits over the employee’s personal policy.
• Commercial Auto Symbols 1, 7, 8, 9 Explained: Why the Number Decides What’s Covered — The covered-auto symbol beside each coverage decides which vehicles it insures — Symbol 1 covers any auto, Symbol 7 only the scheduled ones, and 8 and 9 add hired and non-owned — so a bare Symbol 7 on liability quietly leaves rented trucks and employees’ cars uncovered.
• Workers Comp for Contractors: Class Codes, Subs, and Risk Transfer — Contractor workers comp turns on three things — trade class codes, the line between subcontractor and employee, and whether certificates and indemnity agreements actually transfer the subs’ risk — and each one is tested at the audit or after an injury.
• Workers Comp for Trucking: DOT, Interstate, and OTR Considerations — Trucking workers comp is decided by where the work happens — local vs long-haul class codes, owner-operator status, every state a driver is hired in or injured in, and USL&H exposure at the dock — and the policy has to be built for all of them at placement.
• Workers Comp for Restaurants: The High-Frequency Exposures — Restaurant workers comp is driven by frequency, not severity — burns, cuts, slips, and strains — so the levers that lower it are accurate class codes, attacking the everyday kitchen injuries, and a documented safety program an underwriter will credit.
• Experience Modifier Explained: How One Number Controls Your WC Cost — The E-Mod multiplies your workers comp premium above or below a 1.0 average from three years of payroll and losses — primary losses count fully, so claim frequency and fast closure move it most.
• Independent Contractor or Employee? The Workers Comp Classification Trap — Whether a worker is an employee or a 1099 contractor is decided by how the work is actually controlled — and the misclassified worker is the one swept into your payroll at the audit.
• Workers Comp Audit Prep: What to Gather and What to Push Back On — The premium audit reconciles estimated payroll against what you actually paid — segregated records and every subcontractor certificate are what let it confirm your numbers instead of defaulting against you.
• Ghost Policies in Workers Comp: What They Are and When They Make Sense — A ghost policy covers no one because the owner is excluded; it exists only to produce the certificate of insurance a solo operator needs to win work, and it has to be replaced the day the business hires.
• Pay-As-You-Go Workers Comp: How It Works and Who It Fits — Premium billed from each real payroll run instead of a once-a-year estimate — how pay-as-you-go smooths cash flow and removes the audit surprise for businesses with variable or seasonal payroll, and when a traditional annual policy still wins.
• Workers Comp for Contractors Who Hire Seasonal Help — Seasonal crew is covered payroll, not an exception — here is how to estimate, classify, and document seasonal labor before the workers comp audit reconciles the year.
• Return-to-Work Programs That Actually Lower Your E-Mod — Modified duty converts lost-time claims into medical-only claims and shortens indemnity duration — the most direct operational lever a business has on its own experience modifier.
• Workers Comp Class Code Mistakes That Quietly Raise Your Premium — NCCI class codes route every payroll dollar into an injury-risk pool; misclassification quietly raises premium, and the annual audit is where the cost arrives.
• Iowa Workers Compensation Requirements Every Employer Should Know — Iowa Code Chapter 85 makes WC mandatory for nearly every employer — here is what the law requires, who is exempt, and what happens to an Iowa business that goes without.
• Action Over Claims: When an Injured Worker Sues a Third Party Who Then Sues You — The exclusive remedy bars the employee from suing the employer — but not the third party who then sues the employer for the same injury. Part Two Employers’ Liability and CGL contractual liability are how the program actually responds.
• Damage to Property in Your Care, Custody, or Control: The Coverage Most GL Policies Exclude — The CCC exclusion strips coverage for property of others in the insured’s possession — and the fix is an inland marine placement, not another GL extension.
• General Liability vs Professional Liability: When You Need Both — Two non-overlapping commercial coverages, two triggers, two standards of care — and the professional services exclusion that decides which policy actually pays.
• Products and Completed Operations Coverage: The Long-Tail Risk Every Manufacturer and Contractor Faces — A separate coverage trigger with its own aggregate, a tail that runs years past the job — and the Iowa statute of repose that finally closes it.
• The Purpose of a Subcontractor Agreement: Risk Transfer Beyond the Certificate — Indemnification, additional insured, waiver of subrogation, and primary/non-contributory — the four operating clauses that turn a contract into real risk transfer.
• Per-Occurrence vs Aggregate Limits: Why the Math Matters — Two stacked limits on every CGL — per-occurrence caps a single event, the aggregate caps the policy year, and the math is where renewals get decided.
• How Landlords Use Certificates of Insurance to Manage Tenant Risk — Lease, endorsement, certificate — the three-document system that decides whether tenant risk transfer actually holds.
• How to Demand and Verify Certificates of Insurance from Subcontractors — A COI is a snapshot, not a contract — three endorsements turn it from paperwork into protection.
• What General Liability Insurance Actually Covers and What It Doesn’t — The three coverage parts of a CGL, the named exclusions, and how per-occurrence and aggregate limits cap what gets paid.
• Policy Language That Quietly Limits Your Coverage: Sublimits, Exclusions, and Conditions — Three places a commercial policy quietly limits coverage—sublimits, named exclusions, and conditions.
• Captive vs Guaranteed Cost vs Large Deductible: Risk Financing Compared — Three risk financing structures side by side—when each one fits and when it stops making sense.
• Why the Cheapest Commercial Quote Is Usually the Most Expensive Policy — Three Iowa-style scenarios where the lowest premium hid the largest gap.
• Additional Insured Status on Commercial Liability Policies: What It Actually Buys You — What CG 20 10 / 20 37 actually grants—and what it doesn’t.
• Coinsurance Penalties on Commercial Property: The Clause That Quietly Cuts Claim Checks — How the coinsurance formula trims a claim check when valuation drifts.
• How to Read a Commercial Insurance Declarations Page Without Missing the Sublimits — What’s actually on the dec page—and the lines that decide what gets paid.
• Loss Runs Explained: What Underwriters See That Owners Often Don’t — Five years of loss data, read the way an underwriter reads it.
• Total Cost of Risk: The Number That Should Replace Your Premium — The number that includes premium, retention, claims cost, and the cash trapped in collateral.