If you are a business owner, you must be prepared to face certain challenges when they occur.  As you know, accidents can and do happen and you must be prepared to move forward when facing damages to your commercial property caused by a covered peril, such as wind, hail, or fire.  Without the right type [...]

Understanding the concept of commercial umbrella insurance can be unclear on many levels, so now is the time to decode commercial umbrella insurance and depict why your business should consider this line of insurance protection.  As a business owner, you may think that having a general liability policy will provide the right amount of protection [...]

Credit card fraud is a global concern and is one of the fastest growing forms of identity theft.  Did you know that every 2 seconds a person in the U.S. is victimized by credit card fraud?  This statistic is alarming; therefore, you need to find ways to avoid falling prey to financial criminals. Giving out [...]

The internet has changed the way people shop.  Going to an actual store to purchase goods seems to be on a rapid decline while staying inside purchasing items online is on the rise. Today you can sit inside your home or anywhere, browse for your specific items any time of the day/night, hit a button, [...]

If you are a homeowner, you realize the importance of homeowners insurance, but do you ever wonder how your insurance premium rate is established?  Most people receive their bill and without much consideration, just pay it. However, you should know there are certain things that are taken into consideration when determining homeowners' insurance rates. 6 [...]

Whether you are a small business owner, insurance company, or homeowner wanting to hire a business for work on your property, you most likely have discussed or requested a “certificate of insurance.”  While asking for or requesting a COI may sound like a simple task, there are some issues that surround certificates.  It’s not as [...]

Owning a home may be your biggest investment yet, so of course you understand the importance of homeowners insurance, but what you may not recognize is the types of insurance by which to protect your home.  There is dwelling coverage as well as market value coverage but knowing which is best for you is essential.  [...]

If you are a business owner with fleet vehicle(s), you know the inherent risks each time you or one of your drivers gets behind the wheel of the vehicle.  Distracted driving, erratic driving, and speeding (just to mention a few) all pose a risk to your fleet vehicles, employees, and others on the roadway.  Accidents [...]

If you are in the business of new construction, renovations, or remodels of existing structures, you need to make sure you have adequate insurance protection during the process.  You may think your Alabama commercial property insurance provides the right type of coverage, but are you sure?  You need to know that there are exclusions, limitations, [...]

Fall is fast approaching which means winter is on the way. Cooking comfort foods, lighting candles, burning fires, decorating for the holidays, and turning up the heat are all signs of what is to come. While all that sounds warm and cozy, you need to also focus on fire safety.  Fire Protection Week is October [...]