Smarter Contractor Coverage: Save More with Kemper Auto’s Enhanced Liability Endorsement (AIEL)
💼 Protect Your Business Smarter with Kemper Auto Commercial
At GIFS Insurance, we’re proud to partner with Kemper Auto Commercial to bring affordable, flexible protection to contractors and small business owners.
Kemper’s Additional Insured Enhanced Liability Endorsement (AIEL) is the smart solution for subcontractors who need to meet higher liability coverage requirements — such as $1 million combined single limits (CSL) — without the burden of higher premiums.
🔍 What Is the AIEL Endorsement?
In today’s contracting world, many businesses and general contractors (GCs) require subcontractors to carry at least $1M in liability insurance before signing a job.
That can drive up costs — fast.
The AIEL helps you stay compliant and protected without overspending by giving you enhanced liability coverage only when you need it.
Here’s how it works:
You sign a contract with a GC or company that requires $1M CSL coverage.
You already have your own base policy with standard limits.
You add the GC as an Additional Insured (AI) to your policy.
Instead of increasing your entire policy limit, you select Kemper’s AIEL, which provides the required $1M CSL coverage for that specific agreement — at a fraction of the traditional cost.
💡 Why It Saves You Money
Without AIEL, increasing your liability limits across your entire policy can be expensive.
With AIEL, you only pay for the added protection when required — not year-round.
This option can result in 150–200% in savings over standard upgrades.
⚙️ Key Benefits of Kemper’s AIEL Through GIFS
✔️ Meet GC or client insurance requirements affordably
✔️ Flexible limits that adjust per contract
✔️ Cost-effective coverage for small business owners and subcontractors
✔️ Backed by Kemper’s trusted commercial expertise
✔️ Guided by your local GIFS insurance professionals
🤝 Partnering for Your Peace of Mind
At GIFS Insurance, our mission is to connect local businesses and independent contractors with insurance solutions that actually make sense.
Through our partnership with Kemper Auto Commercial, we can help you:
Protect your work and assets
Win more bids by meeting insurance requirements
Save significantly on liability coverage
Don’t let high premiums stand in the way of your next contract — the AIEL endorsement is the perfect balance between compliance, protection, and affordability.
📞 Get a Quote Today
Learn more about how the Kemper Auto AIEL can benefit your business.
🔗 Visit: www.gifsinsurancequote.com
📞 Call: 800-722-3391
✉️ Email: info@gifsinsurancequote.com
Protect your business the smart way — with Kemper Auto and GIFS Insurance Quote by your side.