There are many companies offering insurance in Birmingham for both residential or commercial needs. Finding one that is affordable but comprehensive in policy protection may take a little research and an understanding of what good insurance coverage can do for you.

Residential or Individual Coverage

Insurance companies can provide many different policy options for the residential client. One of these options is homeowners insurance.
Homeowners insurance can provide:

  • Home
  • Personal Liability
  • Personal Property

Auto or Watercraft Insurance offers:

  • Physical Damage (Collision)
  • Liability
  • Medical Coverage
  • Uninsured or Under-insured assistance

Commercial Coverage

There are many companies offering commercial coverage insurance in Birmingham. By relying on the experience of agents familiar with business risks and exposures, you can find a policy that suits your budget and activities. When it comes to quoting commercial insurance, agencies consider the business location, the years in business, the number of employees and the gross annual revenue. They may also consider whether a company owns or rents their operating location, and if they own or rent company vehicles. Most commercial policies will cover the following:

  • General Liability
  • Commercial Crime
  • Commercial Property
  • Workers Compensation
  • Cyber Insurance
  • Business Owners Insurance
  • Flood Insurance
  • Commercial Umbrella Policy
  • Business Automobile

By understanding the category of coverage you may need, you can determine which agency offering insurance around Birmingham is the best fit for your budget.