February 22, 2012
Insurance Coverage, Inc.

Commercial Insurance Services
Salon U - Homewood, AL.Insurance Coverage, Inc. has been serving the needs of our business clients since 1977, providing Service, Security & Sound Advice to businesses throughout the State of Alabama. We focus on the insurance and risk management needs of Alabama based businesses. Our focus on business insurance in Alabama means that we are in touch with the local business environment and we understand the unique challenges that Alabama businesses face each day. If you are a business based in Alabama and are looking for a business insurance quote, you may complete our on-line quote form to request one of our representatives to contact you and discuss your business insurance needs. Although our primary focus is on Alabama-based companies, we are not limited strictly to Alabama operations and serve many companies with multi-state operations.

We offer commercial insurance packages that include business property and business liability exposures. Our companies offer business insurance programs for many different types of businesses. Whether you are a Contractor, Manufacturer, Bank, Credit Union or Other Financial Institution, Wholesale Distributor, Restaurant, Accountant, Law Firm, Architect or other Professional Services Provider, whether it is insurance for your property, (including building and/or contents or other business property), equipment, inventory or autos, company vehicles, bonds or other special requests, we offer products and services that provide protection and security to you and your business.

In addition, we offer group benefits and retirement plans from the highest rated and most financially sound companies in today's marketplace.
PROPERTY INSURANCE
Commercial Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
        Property Insurance may cover two types of property losses:
  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.
COMMERCIAL GENERAL LIABILITY INSURANCE
Commercial General Liability Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties. If you are a business owner or business, you are exposed to liability regardless of the presence of negligence on your part. Todays legal environment seems to have fostered a barrage of frivolous lawsuits creating unacceptable and unwelcome liability to businesses and their owners/ shareholders.

With so much at stake, you need an experienced team behind you to assist in the identification of exposures to loss. A team that can then work with you to design a comprehensive set of solutions (including both insurance and non-insurance solutions), the ability to implement those solutions and the commitment to assist you in monitoring them.
          Policies provide coverage for liability arising out of:
  • Premises and Operations
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
BUSINESS AUTO INSURANCE
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.
 
 
 
Contact us today for more information about Commercial Insurance or fill out our online quote form.
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