216 Office Park Drive, P.O. Box 789  |  Gulf Shores, AL 36542

251.968.6174

Commercial Insurance
 
Business Owners Policy (BOP)

Includes property insurance for buildings and contents owned by the company. Two options are available: standard and special, which provides more comprehensive coverage.

Business interruption insurance, which covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.

Liability protection, which covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.

General Liability Insurance

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury and property damage caused by the business' operations or products, or injury that occurs on the business' premises.

Condominium Association Policy

A comprehensive condo owners association insurance package might include the following additional types of coverage:

Directors and Officers (D&O) Liability: This protects directors and officers of the condo association if they are sued as a result of their performance on the board.

Errors and Omissions (E&O) Insurance: Professional liability insurance that protects companies and their workers or individuals against claims made by clients for inadequate work or negligent actions.

Workers' Compensation

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.

Liquor Liability

Any establishment that sells, serves or assists in the purchase or use of liquor opens the possibility for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs and taverns.

Inland Marine

The inland marine insurance policy has evolved over time to cover a wide range of property and materials: property in transit; property in the custody of a bailee; and property deemed to be an instrumentality of transportation or communication, such as bridges and radio towers.

Bonds

A bond is an obligation of the surety company (the company issuing the bond) to protect one person (a.k.a. obligee) against financial loss caused by the acts of another (a.k.a. principal). Performance bonds, for example, ensure that contractors perform the work they are contracted to perform.