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Cullman, AL 35055

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Commercial Insurance in Alabama

Businesses of every size share that the common goals of protecting themselves against the unexpected turn to independent insurance agents to find AL commercial insurance that matches their needs. Independent insurance agents work with business customers to understand their options and find insurers that offer the best combination of coverage and affordable rates. Cullman, Alabama insurance agents work with customers to determine which insurance companies offer the best products at the right price.

Alabama Commercial Auto Insurance

While commercial auto insurance offers the same types of protections as insurance for personal vehicles such as liability and collision business auto policies go one step further. They protect business assets from lawsuits regardless of whether the business owner or an employee is driving at the time of an accident. A Commercial auto insurance policy can be purchased independently or added to a business owner policy making administration a snap.

Alabama Commercial General Liability Insurance

All Businesses are confronted possibility of being sued and commercial general liability insurance provides protection in the even someone is injured on your business' property or by a product or service. Liability insurance will pay for the medical expenses of the injured person. CGL insurance will also provide an attorney and cover court costs to defend the business in the event of a lawsuit.

Alabama Worker's Compensation

Worker's compensation pays for the medical expenses and lost wages of an employee who was injured or became ill in the course of their employment. Alabama insurance agents know the state requirements and work with businesses to ensure that they have the proper insurance in place so that they and their employees are protected. Alabama state regulations make this insurance mandatory for many businesses and not having it can result in penalties and fines.

Alabama Business Owner Package (BOP)

A business owner policy or BOP is the most common form of insurance for Cullman Alabama Small businesses. At the core of these policies is business interruption insurance which replaces lost business income if the business is unable to operate because of a named peril, such as fire or theft. BOPs are popular because they can have most other forms of business or AL commercial insurance added to them, which makes it easier for a company to administer payments and claims.

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