Securing commercial insurance should be a priority for all Alabama business owners. An unfortunate accident could push you into a financial hole you can never escape without commercial insurance. We at Birmingham Insurance Brokers LLC can cover all your commercial insurance needs. Visit our office in Birmingham, AL, and obtain a comprehensive commercial policy for your business.
Different policies may be included in a commercial insurance plan. Learn more about those essential policies by reading the rest of this article.
Any business owner who employs five or more people in Alabama must possess workers’ compensation. Workers’ compensation is a valuable form of insurance that protects business owners and their employees.
If one of your employees is injured on the job, this policy will take effect and cover their medical expenses. It also provides disability benefits.
Business owners can also benefit from workers’ compensation insurance because it reduces the liability they must take on.
Your commercial insurance plan should also include general liability coverage. General liability coverage protects businesses from financial liability if a customer is injured on their property. This policy also offers compensation for damage done to a customer’s belongings.
Whether you’re a small business owner or an entrepreneur overseeing a large commercial operation, securing general liability insurance is in your best interests.
Lastly, you will need commercial auto insurance if your Alabama business relies on commercial vehicles. Commercial auto insurance comes into play if one of your employees causes an accident while using one of the vehicles owned by your business. In that scenario, the policy will cover the damages caused by your employee.
Don’t allow a single accident to derail your business operations. Pick up one of the commercial insurance plans we at Birmingham Insurance Brokers LLC offer and shield your business from potential liability. Get a commercial plan that completely covers your company’s needs after you visit our office in Birmingham, AL!