Coverage for Businesses Throughout Alabama 

Good Hope, Vinemont, Falkville, Hanceville, Decatur and Arab, Alabama 

Small businesses offer face more risk and claims than business owners originally expect. Even if your business isn’t a multi-million-dollar enterprise, you still face a lot of monetary risks from inception to operation. Keeping your hard work protected is crucial for success, and you can do so by investing in a reliable small business insurance policy. 

The dedicated insurance professionals at Jean Deese Insurance Agency will help you compare quotes, evaluate risks and protect your business’ assets with a comprehensive business insurance policy tailored for your needs. 

What Does Small Business Insurance Cover? 

 

General Liability 

General liability insurance handles lawsuits concerning bodily injury, property damage and advertising injury that arise out of everyday business operations. 

• Bodily Injury: Bodily injury liability helps with medical expenses for victims that suffer injury on the business’ property. For example, if a customer in your grocery store slips and sprains their ankle, this liability insurance can help with the cost of medical bills as well as protect the business from a lawsuit regarding the injury. 
• Property Damage: Property damage liability helps with the costs associated if a third party suffers property damage on behalf of the business.
• Personal or Advertising Injury: Personal or advertising injury covers incidents concerning libel, slander, copyright infringement and more. 

General liability is not the same as professional liability. Professional liability covers professional negligence that occurs as a result of specialized services while general liability covers incidents of non-professional negligence. 

Workers Compensation 

In Alabama, workers compensation insurance is required for most businesses with at least one part-time or full-time employee. Workers compensation covers injuries and offers benefits to employees that are hurt on the job. It can provide compensation for: 

• Immediate medical expenses 
• Emergency services 
• Partial or total disability 
• Temporary or permanent disability
• Death benefits (funeral services, casket costs, cremation services, etc.) 

There are some exceptions to workers compensation requirements depending on your industry. 

Commercial Auto Insurance 

Commercial auto insurance offers coverage for vehicles owned or used by the business. It covers certain dangers facing commercial vehicles such as comprehensive coverage, collision coverage, liability, medical payments coverage and more. 

You can also purchase Hired and Non-Owned Insurance to cover vehicles borrowed or rented by the business. 

Insure Your Small Business 

Protect your business with a reliable insurance policy. Call Jean Deese Insurance Agency at (256) 734-8711 or fill out an online quote form to get started! 

Common Small Business Insurance Questions 

 

How Much Small Business Insurance Do I Need? 

Every business is different, and you will need a policy specifically tailored for your specific needs. Speak with an insurance agent today about the proper coverage for your business. 

How Much Does Business Insurance Cost? 

The cost of business insurance varies depending on your location, industry, claims history, credit score, coverage limits and other factors. Fill out an to find out how much you can save on business insurance today! 

How Does Small Business Insurance Work? 

Business owners can purchase a business insurance policy and pay monthly premiums in return for coverage. While the policy is active, you can file a claim to receive compensation for damages to the business and other losses. 

What Business Insurance is Required by Law? 

Business insurance requirements may vary between industries and states. Most states, including Alabama, require workers compensation for businesses with a certain number of employees. Other insurances may not be required by law, but are necessary to obtain licenses and permits for operation. 

What Insurance Do I Need for My Restaurant?

While restaurants face unique risks and exposures, there’s no one-size-fits-all restaurant insurance policy. Restaurant insurance is a collection of policies and endorsements tailored to help protect your business from common risks.

Depending on your needs, your agent may recommend the following policies for your restaurant:

·       General liability insurance

·       Product liability insurance

·       Commercial property insurance

·       Business income insurance

·       Workers’ compensation insurance

·       Commercial auto insurance

·       Employment practices liability insurance

·       Data breach or cyber liability insurance

·       Commercial umbrella insurance

 

Jean Deese Insurance have a variety of insurance coverage options for small businesses including:

 

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel.

 

Learn More About Commercial Auto

 

 

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

 

Learn More About General Liability

 

 

Workers Compensation

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

 

Learn More About Workers Comp

 

We can provide customized coverage for local businesses. With our convenient office in Cullman, we provide customized insurance solutions for clients in Good Hope, Vinemont, Falkville, Hanceville, Decatur, and Arab. Contact us today to learn more!