Business Insurance

You’re no stranger to the ups and downs of owning a business. We know what you’re up against, and we’ve got the experience, resources and coverage to keep you protected.

Who We Serve


We're conservative for all the right reasons.

We’re dedicated to partnering with business owners who appreciate the value of risk management. This allows us to provide proactive businesses with top-notch service and comprehensive coverage at the most competitive rates out there.

Protect Your Business and Future


Your agent will build a custom plan based on your specific industry, risk profile and goals.

Our full suite of commercial insurance offerings checks every box:

1Property Coverage

1Liability Insurance

1Workers' Compensation*

1Commercial Auto Insurance

1Commercial Umbrella Insurance

1Employment Practices Liability Insurance (EPLI)

1Employee Benefits Liability Insurance (EBL)

1Equipment Breakdown Coverage

1Cyber Insurance

And that’s not all. American National also offers attractive annuity and pension options so you can protect your loved ones and plan ahead for a comfortable retirement.

*not available in all states

VIP Service Every Step of the Way

Your agent will be there with prompt, personalized, professional service - no matter the size of your business.

Among America's Top Insurance Companies

American National has been committed to protecting families, businesses and communities since our founding in 1905. With over 120 years under our belts, we’ve become one of the largest multi-line insurers in the country. We’ve earned our reputation as a highly regarded and diversified insurance organization that’s dedicated to strong financial stability, growth and being a source of certainty for our valued customers.

American National Insurance Company Ratings
A.M. Best

A

1

Fitch

A

2

S&P

A

3

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1) These ratings are provided to you so that you can make a comparison of American National Insurance Company to other companies. Ratings reflect current independent opinions of the financial capacity of an insurance organization to meet the obligations of its insurance policies and contracts in accordance with their terms. They are based on each rating agency’s quantitative and qualitative evaluations of the company and its management strategy. The rating agencies do not provide ratings as a recommendation to purchase insurance or annuities. The ratings are not a warranty of an insurer’s current or future ability to meet its contractual obligations. Although the formal rating process typically occurs once a year, rating modifications can be made at any time.

2) A.M. Best Company, independent analysts of the insurance industry since 1899, assigns annual ratings after an extensive analysis using a series of profitability, leverage and liquidity tests that measure performance in such vital areas as competency of underwriting, control of expenses, adequacy of reserves, soundness of investments, and capital sufficiency.

The Best's Rating Report(s) reproduced on this site appear under license from A.M. Best and do not constitute, either expressly or implied, an endorsement of (Licensee)'s products or services. A.M. Best is not responsible for transcription errors made in presenting Best's Rating Reports. Best’s Rating Reports are copyright © A.M. Best Company and may not be reproduced or distributed without the express written permission of A.M. Best Company. Visitors to this web site are authorized to print a single copy of the Best’s Rating Report(s) displayed here for their own personal use. Any other printing, copying or distribution is strictly prohibited.”

Best's Ratings are under continuous review and subject to change and/or affirmation. For the latest Best's Credit Rating, access www.ambest.com. A.M Best’s active company rating scale ranges from A++ (Superior) to D (Poor).

3) Please see the Fitch Ratings website for more information on credit rating categories.

4) Standard & Poor's Financial Services LLC, provides independent financial information, analytical services, and credit ratings to the world's financial markets. For more information on Standard & Poor's rating of American National Insurance Company and related operating companies, view the ratings report above.

Standard & Poor’s active company rating scale ranges from AAA (Extremely Strong) to CC (Extremely Weak). Plus (+) or minus (-) modifiers show the relative standing within the categories from AA to CCC.