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What type of insurance do you need?
In 2018 small businesses in Alabama made $275 billion. If you don't have insurance, you'll have to pay for claims using your business revenue. Why lose your valuable company income when you could pay less for commercial insurance as a safeguard?
40% of small businesses are likely to experience a property or general liability claim in the next 10 years. Here are some things these companies have been using their insurance on:
Alabama business insurance will pay for covered claims so your business doesn’t have to. Here’s what a standard business insurance policy should do:
Pay For Damage To Your Building
Pay For Damage To Your Business Property
Pay For Damage To Someone Else’s Property
Pay For Someone Else’s Medical Bills
Pay For Accidents in Company Vehicles
Pay For Employee Injuries & Compensation
Businesses in Alabama will need workers' compensation insurance before hiring employees. You will also need to carry commercial auto insurance if your business owns a vehicle. We can match you with an independent agent that will explain Alabama's legal requirements for business insurance and match you with the best policy for your unique needs.
It depends primarily on how risky your business is. The riskier your business is, the higher your insurance will be. Here are two examples.
To get the best rates on Alabama business insurance, work with an experienced agent who knows your industry's common risk factors. Rates are determined by several factors including the types of coverage you want, your liability risk level and the local threats to your business property.
It’s usually wise to work with an independent agent in Alabama since they have access to multiple insurance companies. Sometimes its difficult to find an insurance company who will cover your business.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|