Commercial Insurance in Alabama
If you have a business in Tuscaloosa, AL, commercial insurance will likely be one of your concerns during your operations. A policy will be essential in helping you keep your company protected from risks such as fires that could put you out of business while also keeping your employees safe in the event of an accident. Below, Baldo-Downs Insurance LLC delves into the types of commercial insurance that Alabama policy seekers can expect.
Worker's Compensation Insurance
Worker's compensation insurance covers your workers' medical bills when they get injured in the course of their duties. If you are also sued for any harm caused, this policy will pay for your legal fees and any damages awarded in the lawsuit.
As the name suggests, property insurance protects your building and the contents within. If you encounter hazards such as fire, theft, or vandalism, this policy will help you pay for the repair or replacement costs related to property damage. It will also help you replace your lost income when you experience emergencies.
Commercial Auto Insurance
Commercial auto insurance covers businesses with cars registered in their company name. If your employees get into an accident, this insurance compensates you for your repair or replacement costs.
General Liability Coverage
General liability coverage protects you when your customers get injured at your workplace due to negligence caused by you or your employees. It helps you pay for the ensuing medical costs and legal fees if you are sued. It will also protect you when you encounter advertising injury lawsuits related to libel and copyright infringement claims.
Cyber Liability Insurance
Cyber liability coverage protects you from any data breaches that you encounter. If your customer's information is compromised, you will likely get sued. With this in mind, cyber liability insurance will help you pay your legal fees, client notification costs, and any monitoring costs.
If you are interested in any of the above safeguards for your Tuscaloosa, AL business, consider reaching out to Baldo-Downs Insurance LLC today. Our Alabama agents will help you customize your commercial policy to help you secure your business all year long.