Personal

• Liability Insurance
  No matter the size of your business, you and your employees need protection in case of a lawsuit. General liability insurance helps by protecting you from those things that can occur as part of doing business. You could have a claim for a slip and fall on a wet floor, be sued for libel or slander due to an advertising error, have a claim for injury resulting from use of your product, or you could even have damage to property you rent.
• Travel Insurance

Natural Disaster

• Flood Insurance
  A commercial flood insurance policy is designed to make sure your business is protected should you face damage to walls, ceilings, flooring, furniture, fixtures, inventory, and other property from water damage. However, some standard commercial policies may have exclusions you need to be aware of.

Business

• Business Insurance
  Business Insurance 100 Largest Brokers/Agencies of U.S. business list. Clearly, IOA is driven to be the best and employ the best team players. That is why the process of inviting agencies to join our team at any of our 50+ office locations is the most critical step in making the leap from good to great.
• Commercial Property Insurance
  If an electric surge takes out a computer or a machine breaks and causes spoilage, this type of coverage can provide needed protection. It provides more specialized coverage than what is available under a commercial property insurance policy.
• Workers Compensation Insurance
  No matter what product or service you provide, the key to your business is people, so you want to keep them healthy, happy, and on the job. However, if a worker suffers an injury and can’t perform their job, workers compensation coverage provides you and your employee with protection.
• Commercial Liability Insurance
  Commercial umbrella insurance gives businesses an added layer of protection when unexpected and threatening costs from claims come their way. This extra liability coverage helps when the cost of a claim goes beyond what is covered under a primary policy. It extends coverage and further protects your assets.
• Professional Liability Insurance
  Employed lawyers insurance is designed to protect attorneys working as in-house counsel, their staff, and independent contractors from claims of malpractice or professional liability. In-house counsel does not have to do anything wrong to end up getting sued, and though you may have other policies in place—such as general liability, umbrella, and directors and officers liability—they generally don’t provide complete coverage.

Health and Life

• Life Insurance
  At IOA, we’re committed to the health, security, and well-being of every team member.  We offer a full suite of benefits, like our company-paid medical and subsidized dental insurance, access to health savings accounts, and opportunities to participate in wellness activities throughout each year.  We also invest in our team’s financial health with things like our 401k, company-paid life insurance, and opportunities to join our IOA employee stock plan.  When you couple our available benefits with our highly competitive compensation and generous paid time off, as an IOA team member you can know we have you covered!
• Health Insurance
  Typically provided by the employer to employees as part of an incentive package to work for the company, our advisors work to secure the right accident and health insurance coverages to protect clients from losses incurred when injuries result from accidents or various types of health problems.
• Disability Insurance
  A business owners policy includes business interruption insurance, liability protection, and property insurance. It does not cover auto insurance, disability insurance, health insurance, professional liability, or workers compensation.
• Dental Insurance

Motor Vehicle

• Inland Marine Insurance
  Standard property coverage protects the assets you have at your office that don’t move around. But for businesses that have material and equipment moving from location to location, there’s inland marine insurance. It is particularly important when you ship high-value products and materials, which are often excluded from your basic property coverage policies.
• Auto Insurance
  Commercial auto insurance is there for you if you have a loss resulting from an auto accident and if you or an employee is found at fault. It helps to cover your damages by paying for property repair and replacement and medical expenses.