Commercial Insurance

Being a business owner there are many things that can go wrong, with business insurance it covers many different aspects a business would need coverage for. For example business insurance can help your business in the following situations:


  • Protects against loss or damage to the business location and its contents
  • Protect your business from lawsuits
  • If your business uses vehicles, they will be covered
  • Insure your employees against on the job injuries
  • Protect your company from business interruption



Insurance Built for your Business!

Micheletti Alternative Insurance Solutions would be happy to go over your business model and let you know about all the different business insurance plans and how each kind works for you best. There are many types of business insurance programs that can cover you no matter what type of business you are in. Here are some of our most popular business insurance programs:

Commercial Auto

More and more vehicles hit the road daily making auto insurance one of your greatest risks. Our team has the knowledge and resources to help manage your auto insurance to properly protect your business.

Crime Insurance

Commercial Crime Insurance protects your business against financial loss caused by employees or third-party fraud. This coverage is designed to protect your business property, merchandise, cash and securities, embezzlement, or forgery. This coverage also protects your business from non-employee committing crimes against your business.

Cyber Crime & Liability

Cyber Liability Insurance protects your business from risks that come from the use of technology. Our business and personal lives revolve around technology. Cyber liability helps protect your business from cyber attacks such as hacking, viruses, denial of service attacks, and data breaches of personnel files, credit card information, or health records. This coverage protects from financial losses for both first and third-party losses and expenses.

Directors & Officers Liability

Directors and Officers (D&O) Liability Insurance is a type of liability covering the business directors and officers for claims made against them while managing the business or serving on the board of directors. This policy protects the directors and officers if they are accused of management errors in conducting business by providing legal defense costs and potential losses suffered through a lawsuit.

Employment Practice Liability

Employment Practice Liability (EPLI) Insurance provides the business with financial protection against a lawsuit by employees, former employees, and employment candidates for liability arising out of wrongful acts in the employment process. These lawsuits can include discrimination, sexual harassment, wrongful termination, or any other employment-related issues.

General Liability

Our team understands that anyone who comes in contact with your business can file a lawsuit against you. We are hear to help mitigate and protect your business from these suits. General Liability will help you with legal expenses and damages arising out of bodily injury or property damage caused by your company.

Professional Liability (Errors and Omissions)

Professional Liability or Errors and Omissions (E&O) insurance protects your business against lawsuits arising from your clients dissatisfaction with your professional service or advice. Businesses can be held financially liable for any financial damages their work may cause. This coverage helps protect your business from legal fees and judgements that may result from these claims.


Protect your business assets with Property Insurance. Our team can help you evaluate your business property and locations for adequate coverage in the event of a loss. Whether you own a building, lease a work space, or work from home, property insurance can help protect your business assets.

Umbrella Insurance Coverage

Companies could face millions of dollars in out of pocket expenses for not carrying high enough insurance limits. An umbrella insurance policy supplements your existing general liability, auto liability and employer’s liability limits.

Workers' Compensation

Micheletti Alternative Insurance Solutions will provide your business with the proper coverage and tools to mitigate Workers' Compensation losses and rate increases. Our knowledgeable service and claims departments take pride in being there for our customers when they need them the most.

If you don’t see something that fits your business model, contact us today for a custom business insurance plan that fits your business.

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Monday - Friday: 8:00AM - 4:30PM
Saturday & Sunday: Closed

Contact Us

Micheletti Alternative Insurance Solutions
300 Banner Ct. Suite 1
Modesto, CA 95356

Phone: (209) 576-2808
Fax: (209) 530-3888