Commercial Liability

Commercial Liability for Alabama Businesses

As a business owner, you can’t afford to spend long days in court or precious resources fighting lawsuits and other claims. Naturally, you do your best to provide good service and a positive work environment. Unfortunately, that isn’t always enough. Although liability insurance can’t keep others from bringing a claim against your company, it can help to minimize the damage done by those claims. Alabama Insurance Agency, locally owned and operated since 1993, can help you protect your company with the right liability policies.

General Liability

Whether you operate a small business out of your Alabama home or employ hundreds of workers at your Alabama-based business, you need general liability coverage. This basic liability policy covers common risks of day-to-day operations. Small businesses may be able to combine this coverage with business property insurance in a business owners policy (BOP). Depending on your industry, Alabama Insurance Agency may even have specialized general liability packages that can be customized for your business.

Other Liability Insurance

The size and scope of your business or organization will dictate the type and amount of liability insurance you need. Most Alabama employers need to carry at least minimum workers compensation insurance to protect employees and your company in the event of on-the-job injuries. Other available liability coverage includes

• Employment Practices Liability Insurance (EPLI) to protect employers against employment-related claims not associated with on-the-job injury
• Errors and Omissions Insurance, also called professional liability insurance, to protect licensed or certified professionals in the event that a mistake causes damage to a client or third party
• Directors and Officers Insurance (D&O) to protect the board, officers, and others in governing or executive positions at an organization in the event of negligent acts, omissions, misleading statements, or unethical actions.

You can request your free online quote today by filling out our simple questionnaire. To learn more or to schedule a consultation with one of our insurance professionals, call our local office during business hours. We look forward to helping you protect your business so you can get back to doing what you love.