Let us help find the right insurance for your business

A commercial package insurance policy can include almost any type of coverage you may need, from equipment breakdown to inland marine to crime coverage. Ask your Allen Insurance and Financial representative how to tailor a commercial package policy to your specific needs.

We can also provide policies to cover commercial property and to address concerns such as bodily injury, property damage, product liability and liability protection should an injury result from an accident or mishap involving products or services your company offers. We also offer commercial auto insurance.

Call today or use our easy web form to request a business insurance quote.

General Liability Insurance

In today’s litigious environment, no business is immune to lawsuits by an individual or another business, ranging from false advertising, libel or slander; to damage to property in your care; to a simple slip-and-fall. Such a suit, regardless of its merits, can suddenly cripple your financial position. But you can protect your company with general liability insurance from Allen Insurance and Financial. It protects your business against any of the following types of claim:

• Bodily Injury
• Property Damage
• Personal Injury (including slander or libel)
• Advertising Injury

Covering the Cost of Defending Claims

In addition, commercial general liability policies also cover the cost to defend or settle claims—even if the claims are fraudulent.

Many coverages can be added to the general liability policy or purchased separately like medical payments coverage, employee benefit liability, host liquor coverage, liquor liability coverage, non-owned auto, hired car and international liability coverage.

Our experienced Commercial Liability team will review all your potential exposures, no matter how complex, and put together a plan to protect your assets against a real or fraudulent suit.

Business Auto

Especially in Maine, cars and trucks are vital to many businesses—and a potential source of significant loss. The specialists at Allen can make sure yours are covered adequately with the right business auto insurance policy.

At Allen Insurance, we start by asking you pertinent questions about your business vehicle ownership and use. Do you:

  • Personally own the vehicle and lease it back to the business?
  • Move other people’s property in your vehicles?
  • Deliver product to your clients?
  • Carry people for a fee?

We then create a specific plan for your company, offering the appropriate selection of coverages.
Click for business auto coverage definitions.

Business Interruption

At Allen, we understand how devastating the loss of your place of business can be. We offer business interruption insurance to provide not only income…but also peace of mind.

When a fire or other disaster strikes to make your business location unusable, your business will not be producing income, while fixed costs (rent, utilities, etc.) may continue to mount. Standard property insurance does not cover these losses—unless you’ve elected to add Business Interruption insurance to your property insurance coverage.

Let Allen Insurance and Financial guide you through the various coverages available:

  • Business income lost when a building becomes untenantable. (Note: losses are not covered if due to damaged contractors’ equipment or any other inland marine coverage.)
  • Costs and expenses incurred by your business even though the location is unusable.
  • Costs incurred in having to move and operate from a temporary location.
  • “Extra expenses” can be incurred to keep the location open, if the insurer would rather pay such expenses rather than the cost of a shutdown.

We can guide you through a range of strategies for Business Interruption Insurance to meet your financial and security needs.


Cyber Risk

Businesses of all sizes in every industry have a real reason to worry about the dangers of malicious code and web-based attacks on corporate and customer data. This is the kind of battle that should not be fought alone.

We’re here to help with an insurance program to protect assets should they be attacked.

Our goal is to help business leaders understand the complexity of the situation and how to protect their data.

Data breaches do happen. Insurance can help with a dedicated team to help cover the cost of lost business, data recovery and related legal or public relations challenges.

The protection afforded by cyber risk insurance is as necessary today as any other step a smart business person would take to protect his or her assets.


Commercial Property

Your Commercial Property Insurance team at Allen can help you design a plan that meets your specific needs.

Commercial Property coverage protects your physical assets, such as buildings and other structures, contents, stock, machinery, equipment, computers, collections and cash, from a wide range of perils, including fire, wind, hail, lightning, flood and smoke. This commercial property coverage can be tailored to include some or all of the following:

  • Additional cost to rebuild
  • Boiler and machinery damage
  • Pollution damage
  • Transit, cargo and inland marine
  • Additional cost to comply with ordinances and laws
  • Reduction in value
  • Additional cost for debris removal
  • Additional cost to run your business
  • Loss of business income
  • Loss of improvements and betterments in a rented building



Also known as Excess Liability Insurance, Umbrella Insurance  protects you with an additional layer of liability over and above the underlying policies on your business, such as general liability, workers’ compensation and vehicle insurance. Limits are provided in increments of $1 million.

If someone files a claim that exceeds your underlying policy, the umbrella covers the excess.

Transportation of Goods

If shipping items is an important part of your business, cargo coverage is an indispensable part of your insurance. 

Allen Insurance and Financial can help you choose just the right coverage for whatever you need to ship, over land or sea or by air. We offer a range of Cargo Insurance policies covering every type of risk, from theft to externally caused damage, and for the full value of goods plus freight and anticipated profit. We also offer policies that let you “pay as you go,” based on reported shipments each month.

Ask us about our relationship with the Maine International Trade Center in Portland.