As an independent and local agency, IOA offers commercial insurance products tailored to fit business client exposures and needs. Key insurance products include coverage for general liability, property, auto, business income, workers compensation, employee benefits, employee dishonesty, crime, management liability, professional liability and cyber liability.
Minimizing risks with proper safety protocols for customers and employees is a strength through IOA's Risk Services group. IOA has developed a unique approach that focuses on risk management for property & casualty, benefits administration and professional liability services.
IOA works to be an extension of its client's management team by supplementing risk management services. Working closely together to analyze all exposures to a business, and identifying methods available to address these exposures and hazards is the goal to minimize losses, while lowering insurance premiums to improve the bottom line of its clients.