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# Get a Business Owners Policy in NV, CA, or AZ
You work hard to make decisions that are right for your business, employees, and yourself. This includes decisions about business insurance. You know you need excellent coverage, but you don’t want to break the bank, and don’t have time to become an expert in business insurance. That’s where A and H Insurance can help. We are an independent insurance agency representing dozens of insurance carriers and serving multiple states, including NV, CA, and AZ.
A **Business Owners Policy (BOP)** combines property and liability coverage, and can include options such as business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP, you have the ability to customize the policy to meet your individual business needs.
Whether you are a home-based business, small service provider or contractor, A and H Insurance will work with you to find the right combination of business insurance coverage to meet your specific needs. We can fit you with policies including general liability coverage that includes operations, commercial auto coverage or commercial property insurance.
# Supplemental Coverage Available
* Extended liability for additional insureds.
* Valuable records protection and accounts receivable.
* Debris removal, personal property.
* Tools and equipment.
A and H Insurance will advise you on the right coverage, and we also offer other services, such as:
* **Loss Prevention Programs**— With the aid of our partner insurance carriers, we can look at your business’ current conditions and suggest ways to lower property, auto, workers compensation, or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
* **Quick Claim Response**—when you do have a claim and require fast and fair service, we work with you to make that happen. That’s why we only work with companies that settle claims fairly and quickly.
* **Competitive Rates**—many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing. We can often get you multiple competing quotes to get you the best coverage and rates, and can even shop the policy again at your next renewal.
To see if your Nevada, Arizona, or California business qualifies for one of these special programs, contact us or request a quote for more information.
#### Get a Quote
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* Employer / Employee Benefit Plans
* Health
* Life
* Medicare
* Personal (home, auto & home bundles, umbrella, etc.)
* Public Entity
* Workers' Comp
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#### COMPANY INFO
A and H Insurance was founded in 1957 in Reno, Nevada. We are an independent insurance agency and offer a wide range of services to businesses, individuals, and municipalities. We primarily serve clients in Arizona, California, and Nevada but are licensed to do business in over 20 states.
#### Reno, NV – HQ
* (775) 829-2600
* 3301 S. Virginia St.
  Reno, NV 89502
#### Apache Junction, AZ
* (480) 982-0273
* 288 N. Ironwood Dr. STE 111
  Apache Junction, AZ 85120
#### ELKO, NV
* (775) 777-0900
* 526 Idaho Street
  Elko, NV 89801
#### MINDEN, NV
* (775) 267-9947
* 1663 Lucerne St. STE C
  Minden, NV 89423
#### Winnemucca, NV
* (775) 623-5555
* 341 Baud St.
  Winnemucca, NV 89445
#### YERINGTON, NV
* (775) 463-3374
* 12 S Main St.
  Yerington, NV 89447
#### FERNLEY, NV
* (775) 575-2600
#### Las Vegas, NV
* (702) 475-1294
#### Mesa, AZ
* (480) 454-3005
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# Get Contractors Insurance in NV, CA, and AZ
!
Every day, contractors encounter distinctive and dangerous risks on the job. The specific industry, size, and location of your contracting business are crucial factors that can determine the type and amount of insurance coverage you require.  We recognize that contractors are exposed to a range of hazards and have crafted commercial insurance options that cater to their diverse requirements. These include general liability, property and inland marine, workers’ compensation, commercial auto, umbrella, as well as surety bonds, builders risk, and more. Call or request a quote today from one of our helpful insurance agents.
## We cater to contractors specializing in a wide range of services, including but not limited to:
* Carpenters
* Electricians
* Excavators
* General Contractors
* HVAC Contractors
* Landscapers
* Painters
* Plumbers
* Remodeling
* Roofers
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# Cyber Liability Insurance for Business
## What is cyber liability coverage?
Cyber ​​Liability protection is available as an add-on policy or stand-alone coverage. It protects your business from direct monetary loss from the many types of cyberattacks, as well as from the lawsuits and fines that may result from them.
## What harm could an online scammer or hacker do?
There are many types of attacks that your business could experience, such as: **Social Engineering** – When funds are transferred to someone posing as a third party, or **Ransomware** – When a hacker steals your data and demands payment for this data. The median cost of a ransomware attack in 2021 was $1.85 million. This includes business downtime, system repairs, legal fees, regulatory fines, lost orders, employee turnover, and operating expenses.
> 43% of small businesses have already been hacked. 60% of small hacked businesses close within 6 months. Any business that has customer data, a POS machine, or pays multiple vendors is at risk.
## Does my business really need cyber liability insurance?
The volume of cyber intrusions and malware/ransomware is increasing exponentially in this decade, and virtually every type of business is at risk. Businesses with fewer than 100 employees are attacked more often than larger companies, and often don’t have the resources to prepare for a cyberattack. Whether you’re a restaurant, contractor, doctor’s office, trucking company, or anything else; you’re at risk of a cyberattack.
## Get Cyber Liability Insurance
A and H Insurance has been protecting businesses since 1957. We are an independent agency associated with dozens of major carriers. We will provide you with the best value in coverage, price, and service. Contact us today to get a cyber liability insurance quote.
## Claims Examples
To maintain the privacy of all clients, the following examples of claims have been slightly altered from their actual suits. These are not from A and H Insurance clients, but clients of some of the carriers we work with.
### Identity Theft
A company fell victim to a cyberattack where an unauthorized person gained access to sensitive information belonging to both its employees and clients. The stolen data included Social Security numbers and bank account information. The perpetrator then sold the information to a website that uses it to fabricate fake identities. The resulting lawsuits, legal defense, and damages surpassed $900,000 in total expenses.
### Troubled Employee
Upon discovering that he was going to be fired, an employee with a history of complications decided to take matters into his own hands. He stole sensitive personal account information that the business had collected from its clients and made it public on the internet. This resulted in a lawsuit against the company, with their clients arguing that their privacy had been violated and that they were entitled to compensation. The company was forced to pay over $600,000 to cover the costs of both settlement and legal defense.
### Customer Privacy
At an engineering company, an employee discovered a vulnerability in the network security defenses and proceeded to access a confidential trade secret belonging to a customer. The employee then sold the trade secret to one of their customer’s competitors. Consequently, the customer filed a lawsuit against the engineering firm on the grounds of inadequate protection of their trade secret and received more than $500,000 in damages as a result.
### Network Security
A company’s network underwent extensive data loss and transmission of a harmful computer virus due to their employee’s accidental download. This virus spread to one of their client’s networks. Their client brought a lawsuit against the company, claiming that it was the company’s responsibility to prevent the virus from spreading. The client sought compensation of $750,000 for both the economic loss resulting from the network security breach and the lost data.
### Social Engineering
An individual, pretending to be the Chief Financial Officer, made a request for the W-2 forms of all the employees, under the guise of processing returns. The employees, unaware of the deception, forwarded the W-2s to the imposter. Following this, fraudulent tax returns were submitted on behalf of the employees. The total expenses incurred thus far have exceeded $250,000.
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