Other Business Insurance Lines to Consider

Commercial UmbrellaBusiness Insurance

An Umbrella Policy provides increased limits of financial protection to your business from the rising costs of lawsuits or catastrophic events. An umbrella policy picks up where your general liability policy drops off.

Crime Insurance

Sometimes called “Employee Dishonesty Insurance” or “Fidelity Insurance,” Crime Insurance protects employers from financial loss caused by the fraudulent activity of an employee or group of employees. Covered events can include: forgery, embezzlement, robbery, and theft of property.

Cyber Liability Insurance

A standard business policy will not cover damages to your company caused by data breaches leading to confidential or personal information leaks. The addition of a separate Cyber Liability Policy is essential for businesses that rely on electronic data, as this is the only type of policy specifically designed to cover costs incurred as the result of a data breach.

E&O, EPLI, and D&O

No business is 100 percent immune from lawsuits. Claims can be brought by employees, non-employees, or investors. Protect your company’s assets with Employment Practices Liability Insurance, Directors & Officers Insurance, and Errors & Omissions Insurance.

Workers’ Compensation Insurance​

Per the Alabama Department of Labor, “any business that has five or more employees, other than contractors, is required by law to have workers’ compensation coverage. Workers’ comp insurance protects the business by limiting civil liability and specified damages while providing employees with a remedy for occupational disease and injuries sustained on the job.

Inland Marine Insurance

Inland Marine Insurance initially covered only the transport of goods over water, but the current definition has been expanded to also include coverage of goods in transit on land, or the property of others on your site or being transported to or from your site.

Landlord Protection

Though not required by law, landlord insurance is important because it protects you from financial loss resulting from injuries, accidents, natural disasters, and other liability matters related to your rental property.

If you do not see category you need, chances are we have it, give us a call to get a quote.