At Humes Agency, we offer our Alabama clients who are business owners commercial insurance that covers both what is required by the state and additional coverage options that are great for different situations and industries. It is essential for you to know what is required by Alabama law and what else you have access to with Humes Agency
What is required?
- Commercial Auto Insurance
- Workers Compensation Insurance
In the state of Alabama, any business that requires a company automobile must be covered with commercial auto insurance. This is to protect any employee that may be driving or operating the vehicle, protecting them in the event of an accident. This is also essential for any stolen product that could be taken from the commercial vehicle.
Workers' compensation is a requirement by many states and is utilized when an employee is hurt on the job. This coverage will cover any damages and medical fees they incur, and in return, the employees agree not to sue the company.
How can I supplement my policy?
The following types of commercial insurance can supplement both of these commercial insurance requirements:
- Business Liability Coverage
- Business Income Coverage
- Property Insurance
- Business Interruption Service Coverage
These are just a few of the most common commercial policies that are purchased with our clients. These different coverage options protect the business and business owners from cases where they are liable for damage, safeguarding their property in the case of theft or loss, and even protecting the business income. Should the business have to close temporarily due to a situation that is beyond your control, business interruption service will allow you to continue paying your employees and maintain their loyalty when the business reopens.
Call us today!
If you are an Alabama business owner looking to get quality commercial insurance, it is time to call us at Humes Agency. Our agents are ready to assist you with the coverage your business needs.