USAA is well known for providing affordable insurance to military members and their families. But did you know USAA also offers commercial insurance policies? USAA has a range of options to protect small and mid-sized businesses.
This article will cover:
- An overview of USAA’s commercial insurance products
- Eligibility requirements to get USAA business insurance
- How to get a quick quote and purchase a policy
- Benefits of choosing USAA for commercial coverage
Commercial Insurance Products Offered by USAA
USAA provides the following commercial policies to qualifying businesses:
Commercial Auto Insurance
- Covers vehicles used for business purposes like work trucks, fleet vehicles and more
- Options include liability, collision, comprehensive, medical payments
- Add-on coverages available like rental reimbursement and roadside assistance
Commercial Property Insurance
- Protects buildings, offices, inventory, equipment and other business property
- Coverage for perils like fire, theft, vandalism, wind damage and more
- Options to tailor coverage and limits to your needs
General Liability Insurance
- Covers legal liability for third-party bodily injury or property damage
- Protects against slip-and-fall accidents, product liability, libel/slander, and more
- Typically required when leasing commercial space
Business Owner’s Policy (BOP)
- Bundles general liability, commercial property, and business interruption insurance
- Simplified coverage and premiums through a single policy
Workers’ Compensation
- Covers medical and disability benefits for employees injured on the job
- Legally required for most businesses under certain circumstances
- Helps replace lost wages and pay for medical treatment
Professional Liability
- Covers legal claims arising from professional errors or omissions
- Ideal for consultants, advisors, accountants, and other professionals
Cyber Liability
- Protects against data breaches, hacking incidents, and cyber crimes
- Covers costs like data loss/restoration, legal services, PR crisis management
Umbrella Liability
- Additional liability limit above existing policies like auto and general liability
- Added peace of mind with higher coverage maximums
Am I Eligible for USAA Commercial Insurance?
USAA commercial insurance eligibility is more flexible than other USAA products. Policies are available to:
- Current and former military members
- Children of USAA members
- USAA member spouses and widow(er)s
- Current military members’ spouses
- Businesses where current/former military members hold ownership
So even if you don’t have a personal USAA membership, your business may still qualify for USAA commercial insurance through an officer’s military service.
How to Get a Quote and Purchase USAA Business Insurance
Getting a quote and buying a policy from USAA is quick and easy:
Online
- Visit usaa.com and go to the commercial insurance section
- Select the desired policy types to get an instant quote
- Provide details about your business to generate an accurate quote
- If happy with the pricing, purchase the policy online in minutes
Over the Phone
- Call 800-531-8722 and speak with a friendly USAA agent
- Answer a few key questions to receive a personalized quote
- Provide your business’s name, location, operations, years in business, and desired coverage
- An agent will explain policy options, pricing, and next steps to enroll
With a Local Agent
- Find USAA agents near you to meet in person
- An agent will gather details to provide quotes for the commercial policies you need
- You’ll have the option to purchase policies on the spot
Getting quotes from multiple providers is always advisable. But start with a USAA quote to potentially save on premiums.
Why Choose USAA for Commercial Insurance?
There are many advantages to securing business insurance policies through USAA:
Affordable Rates
USAA leverages its provider negotiating power, stringent underwriting, and low-cost operations to offer ultra-competitive pricing.
Strong Financial Ratings
USAA earns top ratings from A.M. Best (A++), Moody’s (Aaa), and Standard & Poor’s (AA+). You can trust they have the resources to pay claims.
Top-Notch Customer Service
USAA is lauded for providing fast, personable service and going above-and-beyond to help members.
Policy Discounts
- Multi-policy discounts when bundling commercial with homeowners or auto
- Safety training discounts for implementing workplace programs
- Security discounts for alarm systems, surveillance cameras, etc.
Free Risk Management Resources
USAA provides free risk mitigation guidance like cybersecurity protocols, OSHA training, and business continuity planning.
Easy Claims Process
File and track business insurance claims quickly online or via USAA’s award-winning mobile app.
Local Agent Support
Connect with knowledgeable USAA agents in your area for personalized service.
The combination of discounted premiums and stellar service makes choosing USAA an easy call for qualifying businesses.
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FAQ
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