Alabama Insurance Agency
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  • Agent Login
  • Our Promise to You
  • Get a quote
    • Make a Payment
    • Accessibility Statement
  • Personal Insurance
    • Personal Auto Insurance
    • SR22 Insurance
    • Home Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Home Warranty Appliances
    • Home Warranty Utility Lines
    • Vacant Property Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • RV Insurance
    • Watercraft Insurance
    • Flood Insurance
  • Business Owners Insurance
    • Commercial Property Insurance
    • General Liability Insurance
    • Umbrella Liability Insurance
    • General Contractors Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Event Insurance
    • Surety Bonds
    • Workers Compensation
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
  • Life Insurance
    • Final Expense Insurance
  • Locations
  • Join Our Team
  • Agent Login

Commercial Property Insurance to fit your budget and needs

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Low Cost Commercial Property Insurance

​What is Commercial Property Insurance?
Commercial property insurance helps protect a business by paying for all or part of costs when a covered loss occurs. In this way, property insurance can help keep businesses open if losses occur, whether you own, rent, or lease the business building.
Businesses can purchase commercial property insurance for basic causes of loss, for instance a fire insurance policy, but the majority of businesses choose a more comprehensive plan, known as a Businessowners Policy or BOP.
A BOP provides coverage for damage to the business’ buildings, including installed fixtures, machines, and equipment; and outdoor fixtures. A BOP also covers business contents such as your inventory, machinery, and computers. Items owned by others but that are in your care, custody, and control are also covered to the extent the business is legally liable for that property.
There are, however, some causes of loss that are not covered by commercial property insurance or a BOP, but that can be added by endorsement. Some of these include employee dishonesty, steam boiler breakdown, flood, earthquake, and crime. Take note, also, that not all of your business property is covered with a commercial property policy. For instance, you might need additional coverage for commercial autos, outdoor fences, and signs not attached to your building.
Our agency can review your business needs with you to make sure you have the necessary coverage for your unique business needs. And remember to discuss your disaster recovery plans with our agent to ensure you have coverage for lost income and extra expenses that result when recovering from a covered loss.
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​WANT TO OPEN YOUR OWN LOCATION?
​Our turn-key operation is a one of a kind in the industry. We offer high commissions and renewal payout rates, as well as access to more than 50 competitive insurance companies.
JOIN OUR TEAM
Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact Gene or Allen at (205) 776-1680.
​Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency. Our agents focus on client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest. ​