Business & Commercial Insurance

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Commercial Auto Insurance in Gulf Shores, Orange Beach, Foley, Robertsdale, and Baldwin County

As a business owner, you have an obligation to keep the same types of insurance coverages for the car you drive in your business as you do for the automobible for personal travel — liability, comprehensive and collision, med payments and coverage for uninsured motorists. There are a number business people that utilize the same vehicle for both pleasure and business, especially in Gulf Shores, Orange Beach, and Foley. If the vehicle is owned by a small business, ensure the name of the business is on the policy as the “principal insured”. This will avoid confusion in the event of a claim. We specialize in Commercial Auto insurance in Foley, Gulf Shore, Orange Beach, or anywhere else in Baldwin County. If you are looking for Commercial Auto insurance or small business in Gulf Shores, call us now. We write all commercial insurance in Foley, Gulf Shores, and Orange Beach.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them, and whether employees, if you have them, are likely to be driving their own cars for use in your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical aspects. Ask your insurance agent to explain all the differences and options.

General Liability Insurance in Gulf Shores, Foley, Orange Beach, and other Baldwin County areas

If you have a personal umbrella policy, there’s usually an exclusion for business-related liability.

Unfortunately for every business owner, the likelihood of getting litigated against have dramatically increased in the last decade. General Liability insurance will prevent greedy lawyers from taking a good portion of your assets and creating financial ruin.

General Liability pays losses caused by both real or alleged bodily injury, property damage, or personal injury from your operations or on your business premises.

Broad Range of General Liability Protection

• BI (or Bodily Injury), including the cost of care, the restitution for any death that results from injury and the loss of services
• PD (or Property Damage) coverage for damage to property of others or the loss of use of that property
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
• Contractual Liability extends to any liability you may assume by entering into a number of contracts. Often used for contractors seeking general liability in Gulf Shores, Foley, or Orange Beach

Workers Compensation in Gulf Shores, Foley, Orange Beach, and Baldwin County

Workers compensation laws were designed to make sure that employees who were injured on the job are taken care of financially. This erases the need for lawsuits and creates a better path for the employee. It also mitigates the financial risks for employers since all states set a bar for compensation due to injury on the job.

Workers Compensation Insurance is created to assist companies in paying these benefits. As a protection for employees, all states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is certainly NOT health insurance. Workers Compensation is designed specifically for injuries that occurred on the job.

If you have any questions about Workers Comp insurance in Gulf Shores, Orange Beach, or Foley, please call Coastal Alabama Insurance now!

We specialize in Workers Compensation for all Baldwin County businesses.