Proudly Serving Huntsville, Alabama and Surrounding Communities
An umbrella offers an additional layer of liability protection to the underlying policies such as home and auto for personal insurance and general liability for business insurance. If a loss exceeds the underlying policy, the umbrella covers the excess up to its limits. Umbrella policies are inexpensive considering the amount of coverage provided; it is a great value.
If the falling of the tree or limb was caused by a covered peril (lightning or wind for example) your homeowners insurance will cover the damage. If the tree or limb was dead, your neighbor is responsible if you have informed your neighbor that the tree endangers your property.).
We highly recommend adding Uninsured motorist coverage to your auto policy that will cover the injuries of the passenger. The damage to your car will be covered (minus a deductible) provided you have collision coverage for that car.
Many of the Alabama insurance companies we represent offer a package discount for bundling policies. These discounts can be as high as 20% on both policies saving you money.
Insurance premiums for workers compensation is based on total payroll estimated at the beginning of a policy period. An audit is required after the period expires to determine the accuracy of the estimated payroll. If the estimate is too low, additional premium is required. If the estimate was too high then the difference will be refunded.
Since your truck is used for business purposes then you should have a commercial auto policy in your personal name. You can also add your business as an additional insured to the policy.
Your premiums for general liability and workers compensation are based on total payroll which includes sub-contractors. A certificate of insurance from subs are required to exclude their payroll from determining your premium due.
Flood is never covered by homeowners insurance. You will need a separate flood insurance policy to protect your home and contents for damages.
Your Alabama auto insurance policy will cover rental cars if you have full coverage on any vehicle on your auto policy. However, we do recommend that you buy the insurance from the rental car company to make sure you are fully covered for 2 issues. First, your car insurance policy does not cover for loss of use. That means the time it takes to repair the car will make the car not rentable and you can be charged for this loss of use. This can be very expensive if the vehicle requires a significant time to repair. Second, business use of a rented vehicle is never covered by a personal auto policy. So, if you are traveling on business and rent a car, you will not have coverage from your current auto policy.
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“Burkett & Associates have taken care of our insurance needs for over 25 years, including home, auto, rental and small business. They have proved to be both competent and competitive.”
Frank Echols ( Client Since 2000) Huntsville, AL