Commercial Insurance Options

Your business is unique—your insurance should be, too.

Running a business comes with risk. We help you manage it with clarity and confidence. Whether you’re a local startup or an established company along the Gulf Coast, we provide tailored coverage that protects your people, property, and operations.

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Ray Collins

Agent


As a Dave Ramsey Endorsed Local Provider with over 18 years of experience, Ray is here to help match your business with the right plan.

Insurance That Fits Your Business

Business owners wear a lot of hats. We make sure insurance isn’t one you have to figure out on your own.

  • What types of insurance does my small business need?

    That depends on your industry, operations, and exposures. Most businesses need general liability and property coverage at a minimum. Others may require professional liability, commercial auto, workers' comp, or cyber liability. We’ll help you evaluate your needs and build a smart plan.

  • Do I need workers’ compensation insurance in Alabama?

    If you have five or more employees, Alabama law requires it. Even if you’re not required, workers’ comp is a smart way to protect your team—and your business—from costly claims.

  • What is a Business Owner’s Policy (BOP)?

    A BOP bundles general liability and commercial property coverage into a single, cost-effective policy. It’s designed for small to mid-sized businesses and can be customized with additional coverages as needed.

  • How much does business insurance cost?

    Rates vary based on your industry, location, size, and coverage needs. As an independent agency, we compare options from multiple carriers to help you get solid protection without overspending.

  • What does general liability insurance cover?

    General liability covers claims of bodily injury, property damage, and advertising injury caused by your business. It’s a foundational policy that protects against many common risks.

  • Can I change my coverage as my business grows?

    Absolutely. Your insurance should evolve with your business. We’ll review your policy regularly and recommend updates as your needs change.